CashFlowRE
Sign in Sign up
5239 Ville Anita Ct Duplex
B- Composite 67.23
Why this score? — see what drove the B- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

  • Cash flow +26.4/30.0
  • ARV discount +15.0/15.0
  • DSCR +9.0/10.0
  • 1% rule +6.4/10.0
  • Rent growth +3.6/5.0
  • Livability +3.1/5.0
  • Condition / age +2.5/5.0
  • Schools +1.2/10.0
  • Appreciation +0.0/10.0

$260,000

5239 Ville Anita Ct · Hazelwood, MO 63042
6 bd · 2.0 ba · 1,820 sqft · MultiFamily public records · 27 Days on market
Built 1968 10,001 sqft lot $143/sqft · 17% below area Est $313k · 17% under

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Multi-family units

County records classify this as Multi-Family (5+ Unit). Listing-text estimate: 2 units. estimate disagrees with records

5+ unit building — per-unit beds/baths from public records are typically unavailable; the breakdown below (if shown) is an estimate from the listing text.

Listing remarks MLS

Duplex with 3 bedrooms and 1 bath on each side. An investor special! Needs lots of work and some rehab. Full basement with walkout on each side. Some newer windows. Off street parking. Priced to sell. *Sale will be subject to court approval*

Key facts

  • Brand new roof
  • Cul-de-sac street
  • 0.23 acre lot

Tags

CUL-DE-SAC STREETPRIVATE WALKOUT BASEMENTBRAND NEW ROOFHAZELWOOD WEST SCHOOL DISTRICTSTRONG UPSIDE POTENTIAL

Property features AI

Finance

  • Financial info: Property used as residential income (2 units); All units leased; Gross income reported at $26,400; Owner pays grounds care and sewer

Exterior

  • Utilities: Public water; Sewer connected (owner pays sewer); Ameren electric service; Natural gas connected
  • Home design: Duplex / multi-family property; One level
  • Construction: Brick veneer and frame construction
  • Exterior features: Brick veneer and frame construction; Lot about 0.23 acres; No pool

Interior

  • Kitchen: Gas water heater
  • Bedrooms: Two 3-bedroom units
  • Bathrooms: Two 1-bath units
  • Heating & cooling: Forced air heating (natural gas); Central air conditioning; Ceiling fan(s)
  • Interior features: Full basement; Updated / remodeled condition
  • Laundry & utility: Natural gas connected; Electricity connected

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 2 × 3-bed/1.0-bath units multifamily listed at $260k.

Deal economics

  • At list price, monthly cash flow is $682 ($8k/yr) — positive. Per door: $341/mo.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($3k rent vs $260k).
  • Recommended offer: $256k (1.5% below list) — sets the bar for market timing.
  • Cap rate 9.4% vs local median 7.2% in Hazelwood — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

  • Location reads 62/100 on livability (#395 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools D-, crime F, amenities F.
  • Ferguson-Florissant R-II (suburban): math 7% / reading 20% proficiency, ranked #311 of 324 in MO (top 96%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 70% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Market conditions: Rents rising fast (+4.5%/yr); 68 active listings in the ZIP; 920 units permitted in St. Louis County in 2024 (250 in 5+ unit buildings).
  • At $2,961/mo this rent would consume 72% of the median local household income ($49k/yr) (locally 766% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
  • At projected returns (-3.0% appreciation + 4.5% rent growth), your $73k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 27 days — a 2% lower offer ($256k) is reasonable based on typical stale-listing flexibility.
  • 2 sale attempts since 12y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
  • Current owner paid $50k; list at $260k implies a 420% gain — meaningful room to come down on a strong offer.
Recommended offer $256,100 (1.5% below list)

Questions for the listing agent

  1. Can we see the unit-by-unit rent roll, current vacancy, and any below-market leases? What's the average tenancy length?
  2. What capital expenditures (roof, boiler, parking lot, exteriors) have been made in the last 5 years, and what's planned in the next 2?
  3. Built in 1968 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  5. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
  6. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
  7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
  8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
  9. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

1% rule
1.14%
Cap rate
9.44%
Cash-on-cash
11.25%
DSCR
1.50
GRM
7.3

CMA / ARV

ARV (median comp)
$313,348
List price
$260,000
Delta
-17.03%
Verdict
UNDERPRICED
Comps
1 within 2.0 mi

Projected returns pro-forma

-3.0% appreciation · 4.45% rent growth · sell at horizon

5-year hold
IRR
2.0%
Equity multiple
1.08×
Total profit
$5,660
Equity at exit
$38,767
10-year hold
IRR
12.9%
Equity multiple
2.09×
Total profit
$79,233
Equity at exit
$22,480

Cash invested: $72,800 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
81 Strongly Landlord-Friendly
State Missouri
81 Strongly Landlord-Friendly · R+10
County
— inherits STATE
City
— inherits STATE
Generally landlord-friendly; St Louis has some habitability requirements.

ZIP-level market 63042

Rents YoY
4.5%
Active inventory
68
Price-to-rent
14.6×

Monthly cashflow live

Estimated rent
$2,961 high interval (Pro) →
Mortgage (P&I)
$1,363
Tax from tax record
$185 /mo · $2,222/yr
Insurance
$108
HOA
$0
Vacancy / Maint / Mgmt
$622
Net cashflow
$682

Break-even live

Break-even rent $2,097
Max offer price $260,000
Occupancy floor 72%

2-unit breakdown (identical units grouped — click to expand)

UnitsBedsBathsEst. rent
Total (2 units) $2,961

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

Down payment
$65,000
Closing costs
$7,800
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Listing history 11 events

  1. 2026-06-08
    statusdays on market $260,000 Pending 27 DOM
  2. 2026-06-07
    days on market $260,000 Active Under Contract 26 DOM
  3. 2026-06-05
    days on market $260,000 Active Under Contract 23 DOM
  4. 2026-06-03
    days on market $260,000 Active Under Contract 22 DOM
  5. 2026-06-02
    days on market $260,000 Active Under Contract 21 DOM
  6. 2026-06-01
    days on market $260,000 Active Under Contract 20 DOM
  7. 2026-05-31
    days on market $260,000 Active Under Contract 19 DOM
  8. 2026-05-12
    listed $270,000 Active 978-char remark
  9. 2014-08-13
    soldstatus $50,000
  10. 2014-08-08
    soldstatus 248-char remark
    Show marketing remark (248 chars)

    Duplex with 3 bedrooms and 1 bath on each side. An investor special! Needs lots of work and some rehab. Full basement with walkout on each side. Some newer windows. Off street parking. Priced to sell. *Sale will be subject to court approval*

  11. 2014-07-01
    listed $55,000 248-char remark
    Show marketing remark (248 chars)

    Duplex with 3 bedrooms and 1 bath on each side. An investor special! Needs lots of work and some rehab. Full basement with walkout on each side. Some newer windows. Off street parking. Priced to sell. *Sale will be subject to court approval*

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast MO · Resets to sale price

Current annual tax
$2,222 · $185/mo
Projected year-2 tax
$2,522 · $210/mo
Expected delta
+$300/yr (+$25/mo · 13.5%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

  • 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 1/10 Low
  • 🌡 Heat 4/10 Moderate 7 d/yr ≥106°F today · 20 d/yr by 30 yrs out
  • 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$35,532
− Mortgage interest
−$14,564
− Property taxes
−$2,222
− Insurance
−$1,300
− Repairs & maintenance
−$2,843
− Management
−$2,843
− Depreciation
−$7,564
Taxable income
$4,197
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,007
After-tax cash flow
$7,179/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

District
Ferguson-Florissant R-II
NCES district ID
2912010
Math proficiency
7% ▼ -9.00%
Reading proficiency
20% ▼ -6.00%
Median HH income
$44,610
Composite
11.96/100
National rank
#9666
State rank
#311 of 324 in MO

Livability — Hazelwood

Score
62/100
State rank
#395
US rank
#16956

Category grades

Amenities F Commute F Cost of living A+ Crime F Employment D- Housing A+ Health & safety F User ratings B-

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Hazelwood, MO
County
Saint Louis County · 888,823 people
City population
17,813
Metro
St. Louis, MO-IL
Population (ZIP)
17,813
Household income
$49,453
Rent vs Own
48.0% rent · 52.0% own
Severe rent burden
766.0

Population outlook (St. Louis County) Hauer SSP2

Today (2025)
1,025,227 people
By 2030
1,028,023 · +0.3%
By 2040
1,020,940 · -0.4%
By 2050
1,007,280 · -1.8%
By 2075
987,277 · -3.7%
By 2100
921,984 · -10.1%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.64)
Race & ethnicity
White 46% Black 38% Two or more races 10% Hispanic / Latino 4% Asian 2%
Common ancestry
Lithuanian 3% Romanian 1% Italian 1%
Foreign-born
5% · Canada, Vietnam
Languages at home
94% English-only · Spanish 3% Vietnamese 1% Tagalog/Filipino 1%

Political lean MEDSL · St. Louis

2024 margin
Strong D (+23.4) · D 60.8% · R 37.4% · Other 1.7%
2008→2024 swing
+3.5pp toward D · 2008: 19.9pp · 2024: 23.4pp
All cycles
2024: D+23.4 2020: D+24.0 2016: D+16.2 2012: D+13.7 2008: D+19.9

Not yet ingested

Civics

Market trends

HPI YoY
▼ -204.48%
Current HPI
234.7353
Rent YoY
▲ 4.45%
Metro
St. Louis, MO-IL
State GDP YoY
▲ 1.84%
F500 in state
20

Industry mix (Fortune 500 HQ in MO)

Industry F500 HQs Revenue

Price history

+372.7% since first listed
7 events — show timeline
  • 2026-06-08 Pending MARIS as Distributed by MLS Grid
  • 2026-05-29 Contingent MARIS as Distributed by MLS Grid
  • 2026-05-21 Price Changed $260,000 MARIS as Distributed by MLS Grid
  • 2026-05-12 Listed $270,000 MARIS as Distributed by MLS Grid
  • 2014-08-13 Sold (Public Records) $50,000 Public Records
  • 2014-08-08 Sold (MLS) MARIS as Distributed by MLS Grid
  • 2014-07-01 Listed $55,000 MARIS as Distributed by MLS Grid

Property tax history

+0.6%/yr

Latest (2022): $2,222 · +1.7% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…