10333 Castle Dr · Castle Point, MO 63136

$47,900

3 bd · 1.0 ba · 1,077 sqft · SingleFamily public records · 20 Days on market

Built 1969 6,499 sqft lot ↓ 32% since listing

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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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Appreciation +6.9/10.0
• Rent growth +3.7/5.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Schools +0.4/10.0

Listing remarks

Charming 3-bed, 1-bath ranch home — 1,077 sq ft — smartly laid out for everyday living on a quiet cul-de-sac and just needs some loving care! Brick and vinyl exterior adds timeless curb appeal. Bright kitchen with French doors leading into the separate dining room creates elegant indoor flow for meals and entertaining. Full basement offers generous storage or potential for a finished living area. Large partial-fenced backyard provides outdoor privacy, 2 car garage, and an oversized driveway fits up to 4 additional cars — ideal for large households or guests. Conveniently located just minutes from from the highway, this home provides easy access while maintaining a peaceful

Key facts

• Bright kitchen
• Separate dining room
• French doors

Tags

• BRICK AND VINYL EXTERIOR
• BRIGHT KITCHEN
• FRENCH DOORS
• SEPARATE DINING ROOM
• FULL BASEMENT
• LARGE PARTIAL-FENCED BACKYARD

Property features AI

Finance

• Other: Garage(s) listed as other structures; Above-grade finished living area recorded from public records
• HOA & community: Suburban neighborhood with street lights, restaurants and public bus access

Exterior

• Parking: Attached garage (2 spaces); Additional parking on driveway; Garage faces side; On-street parking; Asphalt surfaces
• Utilities: Public water; Public sewer; 220 volt electric; Cable available; Electricity connected; Natural gas connected; Phone available; Water connected; Sewer connected
• Home design: Single family residence; One story; Private ownership; Fixer condition
• Construction: Brick veneer and vinyl siding; Shingle, pitched/asphalt roof; Concrete perimeter foundation; Full unfinished poured concrete basement (8 ft+)
• Exterior features: Covered front porch; Private yard; Partial chain-link fencing in back yard; French doors; Located on a cul-de-sac with front yard, level lot and some trees; Near public transit

Interior

• Kitchen: Refrigerator; Gas water heater
• Bedrooms: 3 bedrooms (all on the main level)
• Flooring: Vinyl; Wood
• Bathrooms: 1 full bathroom (main level)
• Heating & cooling: Forced air heating (natural gas); Central air conditioning (electric)
• Interior features: Beamed ceilings; Ceiling fans; Open floor plan; Storage
• Laundry & utility: Laundry in basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $48k.

Deal economics

• At list price, monthly cash flow is $670 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $48k).
• Recommended offer: $47k (1.5% below list) — sets the bar for market timing.
• Cap rate 23.1% vs local median 13.0% in Castle Point — 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 64/100 on livability (#313 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, crime B; Watch: amenities F, commute F, employment F.
• Riverview Gardens (suburban): math 2% / reading 9% proficiency, ranked #324 of 324 in MO (top 100%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 90% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Lewis And Clark Elem. (math 2% / reading 2%, grade F, #1,099 of 1,115 statewide, top 100%, 145 students, 98% FRL); Riverview Gardens Sr. High (math 2% / reading 18%, grade F, #501 of 521 statewide, top 97%, 1,331 students, 100% FRL).
• Market conditions: Rents rising fast (+5.0%/yr); 372 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 920 units permitted in St. Louis County in 2024 (250 in 5+ unit buildings).
• This rent runs 38% of the median local income ($41k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $2k of equity ($331 loan paydown + $2k appreciation (3.8% local appreciation)).
• At projected returns (3.8% appreciation + 5.0% rent growth), your $13k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 20 days — a 2% lower offer ($47k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 2y 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.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $47,181 (1.5% below list)

Questions for the listing agent

1. Built in 1969 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. 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.
5. 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.
6. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 2.74% ✓
• Cap rate: 23.09%
• Cash-on-cash: 59.99%
• DSCR: 3.67
• GRM: 3.0

CMA / ARV

• ARV (on-the-fly): $123,855
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
10417 Prince Dr	0.13mi	3/1.5	1,040 (-3%)	2mo	$120,000	$115	85
10557 Castle Dr	0.34mi	3/1.5	1,023 (-5%)	1mo	$110,000	$108	73
10231 Monarch Dr	0.48mi	3/2.0	1,073 (-0%)	1mo	$189,999	$177	72
10127 Monarch Dr	0.53mi	3/1.5	1,015 (-6%)	1mo	$155,000	$153	63
2442 Gardner Dr	0.62mi	3/2.0	1,054 (-2%)	2mo	$59,900	$57	62
10139 Edgefield Dr	0.56mi	3/2.0	1,140 (+6%)	0mo	$119,900	$105	60
9984 Duke Dr	0.54mi	3/1.0	960 (-11%)	1mo	$54,000	$56	56
10522 Byfield Dr	0.71mi	2/1.0 (-1)	1,038 (-4%)	1mo	$99,900	$96	54
2360 Chambers Rd	0.57mi	2/1.0 (-1)	1,168 (+8%)	1mo	$44,900	$38	54
10217 Viscount Dr	0.58mi	3/2.0	1,205 (+12%)	2mo	$149,000	$124	48
10228 Viscount Dr	0.54mi	3/1.5	925 (-14%)	2mo	$155,000	$168	47
1236 Bliss Dr	0.73mi	3/1.0	944 (-12%)	0mo	$118,000	$125	45

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

3.79% appreciation · 4.97% rent growth · sell at horizon

5-year hold

• IRR: 67.6%
• Equity multiple: 4.97×
• Total profit: $53,199
• Equity at exit: $23,700

10-year hold

• IRR: 67.3%
• Equity multiple: 10.79×
• Total profit: $131,363
• Equity at exit: $38,304

Cash invested: $13,412 (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.

Methodology + full state rankings →

ZIP-level market 63136

• Home prices YoY: 0.9%
• Rents YoY: 5.0%
• Active inventory: 372
• Price-to-rent: 3.0×

Monthly cashflow live

• Estimated rent: $1,312 high
• Mortgage (P&I): −$251
• Tax from tax record: −$95 /mo · $1,135/yr
• Insurance: −$20
• HOA: −$0
• Vacancy / Maint / Mgmt: −$275
• Net cashflow: $670

Break-even live

Break-even rent $463

Max offer price $47,900

Occupancy floor 44%

Sensitivity live

Price	-10% $698	-5% $684	+0% $670	+5% $657	+10% $643
Rent	-10% $567	-5% $619	+0% $670	+5% $722	+10% $774
Rate	-1.0pp $695	-0.5pp $683	base $670	+0.5pp $658	+1.0pp $645

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: $11,975
• Closing costs: $1,437
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10421 Prince Dr Saint Louis, MO	3.0	2.0	1023	$1,275	$1.25	24d	1	0.15mi
10441 Prince Dr Saint Louis, MO	4.0	1.5	1380	$1,380	$1.00	44d	1	0.20mi
10404 Earl Dr Saint Louis, MO	2.0	1.0	770	$1,100	$1.43	4d	1	0.21mi
10139 Royal Dr Saint Louis, MO	2.0	1.0	1016	$900	$0.89	44d	1	0.26mi
10365 Lord Dr Saint Louis, MO	3.0	1.0	864	$1,075	$1.24	2d	1	0.28mi
10501 Duke Dr Saint Louis, MO	2.0	1.0	1140	$1,090	$0.96	44d	1	0.29mi
10113 Duke Dr Saint Louis, MO	3.0	1.0	770	$1,325	$1.72	44d	1	0.33mi
10409 Count Dr Saint Louis, MO	3.0	1.0	912	$1,100	$1.21	22d	1	0.35mi
1520 Attica Dr Saint Louis, MO	2.0	1.0	1062	$1,200	$1.13	24d	1	0.37mi
10557 Castle Dr Saint Louis, MO	3.0	2.0	1023	$1,300	$1.27	15d	1	0.37mi
10512 Count Dr Saint Louis, MO	3.0	1.0	888	$1,195	$1.35	15d	1	0.40mi
10322 Monarch Dr Saint Louis, MO	3.0	2.0	1073	$1,728	$1.61	24d	1	0.41mi
10112 Count Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	8d	1	0.42mi
10113 Count Dr Saint Louis, MO	2.0	1.0	882	$775	$0.88	44d	1	0.44mi
10504 Baron Dr Saint Louis, MO	3.0	1.0	1000	$1,300	$1.30	8d	1	0.44mi
13061 Lord Dr St. Louis, MO	2.0	1.0	900	$1,040	$1.16	22d	1	0.45mi
2326 Chambers Rd Saint Louis, MO	2.0	1.0	1056	$1,050	$0.99	24d	1	0.58mi
1253 Avant Dr Saint Louis, MO	2.0	1.0	795	$1,295	$1.63	18d	1	0.66mi
1253 Avant Dr Saint Louis, MO	2.0	1.0	795	$1,295	$1.63	15d	1	0.66mi
2321 Noll Dr Saint Louis, MO	3.0	1.0	975	$1,320	$1.35	24d	1	0.67mi
2257 Chambers Rd Saint Louis, MO	3.0	1.0	1200	$1,400	$1.17	24d	1	0.70mi
9908 Norbridge Ln Saint Louis, MO	2.0	2.0	1240	$1,650	$1.33	20d	1	0.76mi
1230 Roxton Dr Saint Louis, MO	3.0	1.0	912	$1,400	$1.54	22d	1	0.76mi
1255 Bosworth Dr Saint Louis, MO	3.0	1.0	1071	$1,575	$1.47	11d	1	0.78mi
1238 Hoyt Dr Saint Louis, MO	3.0	1.0	1176	$1,400	$1.19	22d	1	0.82mi
10200 Tappan Dr Saint Louis, MO	3.0	1.0	912	$1,450	$1.59	17d	1	0.88mi
9744 Lanier Dr Saint Louis, MO	3.0	1.0	1014	$1,345	$1.33	44d	1	0.89mi
1115 Bakewell Dr Saint Louis, MO	3.0	1.0	916	$1,300	$1.42	44d	1	0.89mi
2259 Ainsworth Dr Saint Louis, MO	4.0	2.0	1500	$1,776	$1.18	44d	1	0.90mi
10129 Cavalier Ct Saint Louis, MO	3.0	1.5	912	$1,250	$1.37	24d	1	0.92mi
10367 Coburg Lands Dr Saint Louis, MO	3.0	1.0	912	$1,270	$1.39	44d	1	0.93mi
1208 Rapid Dr Saint Louis, MO	3.0	1.0	992	$1,375	$1.39	5d	1	0.93mi
9723 Portage Dr Saint Louis, MO	3.0	1.0	1014	$1,450	$1.43	8d	1	0.95mi
10508 Druid Dr Saint Louis, MO	3.0	1.0	1122	$1,475	$1.31	17d	1	1.01mi
1009 Bliss Dr Saint Louis, MO	3.0	1.0	912	$1,400	$1.54	44d	1	1.03mi
2257 Luxmore Dr Saint Louis, MO	3.0	3.0	1073	$1,495	$1.39	24d	1	1.05mi
10128 Cloverdale Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	24d	1	1.06mi
10128 Cloverdale Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	44d	1	1.06mi
62 Capitol Hill Dr Saint Louis, MO	3.0	2.0	1239	$1,250	$1.01	44d	1	1.11mi
10078 Green Valley Dr Saint Louis, MO	3.0	1.0	900	$1,325	$1.47	8d	1	1.14mi

Listing history 14 events

1. 2026-06-18
   days on market $47,900 Active 20 DOM
2. 2026-06-17
   days on market $47,900 Active 19 DOM
3. 2026-06-16
   days on market $47,900 Active 18 DOM
4. 2026-06-15
   days on market $47,900 Active 17 DOM
5. 2026-06-13
   days on market $47,900 Active 15 DOM
6. 2026-06-13
   days on market $47,900 Active 14 DOM
7. 2026-06-09
   days on market $47,900 Active 11 DOM
8. 2026-06-08
   days on market $47,900 Active 10 DOM
9. 2026-06-07
   days on market $47,900 Active 9 DOM
10. 2026-06-05
    days on market $47,900 Active 6 DOM
11. 2026-06-03
    days on market $47,900 Active 5 DOM
12. 2026-06-02
    days on market $47,900 Active 4 DOM
13. 2026-06-01
    days on market $47,900 Active 3 DOM
14. 2026-05-31
    days on market $47,900 Active 2 DOM

ⓘ 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: $1,135 · $95/mo
• Projected year-2 tax: $1,135 · $95/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 5/10 Major 7 d/yr ≥107°F today · 21 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,740
• − Mortgage interest: −$2,683
• − Property taxes: −$1,135
• − Insurance: −$240
• − Repairs & maintenance: −$1,259
• − Management: −$1,259
• − Depreciation: −$1,393
• Taxable income: $7,771
• Est. tax owed @ 24.0%: −$1,865
• After-tax cash flow: $6,181/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: Riverview Gardens
• NCES district ID: 2926670
• Math proficiency: 2% ▼ -6.00%
• Reading proficiency: 9% ▼ -6.00%
• Median HH income: $32,759
• Composite: 4.22/100
• National rank: #10058
• State rank: #324 of 324 in MO

Livability — Castle Point

• Score: 64/100
• State rank: #313
• US rank: #14373

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Castle Point, MO
• County: Saint Louis County · 888,823 people
• Metro: St. Louis, MO-IL
• Population (ZIP): 40,929
• Household income: $41,154
• Rent vs Own: 53.1% rent · 46.9% own
• Severe rent burden: 3085.0

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: Predominantly Black (90%)
• Race & ethnicity: Black 90% White 5% Two or more races 3%
• Foreign-born: 1% · Canada

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: ▲ 3.79%
• Current HPI: 420.28
• Rent YoY: ▲ 4.97%
• 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
▸Healthcare	1	$163B
▸Insurance	1	$21B
▸Industrial Technology	1	$17B
▸Retail	1	$16B
▸Industrial Distribution	1	$10B
▸Utilities	1	$9B

Price history

-31.6% since first listed

5 events — show timeline

• 2026-05-29 Listed $47,900 MARIS as Distributed by MLS Grid
• 2024-09-28 Pending — MARIS as Distributed by MLS Grid
• 2024-09-04 Listed $55,000 MARIS as Distributed by MLS Grid
• 2024-08-22 Coming Soon — MARIS as Distributed by MLS Grid
• 2007-03-12 Sold (Public Records) $70,000 Public Records

Property tax history

+2.0%/yr

Latest (2022): $1,135 · +0.4% YoY. Source: county tax records.