6775 Chamberlain Ave · University City, MO 63130

$150,000

3 bd · 2.0 ba · 1,242 sqft · SingleFamily public records · 22 Days on market

Built 1922 5,680 sqft lot $121/sqft · at area comps Est $202k · 26% under ↓ 6% since listing

---

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 +26.3/30.0
• ARV discount +15.0/15.0
• DSCR +8.9/10.0
• 1% rule +6.7/10.0
• Livability +3.7/5.0
• Rent growth +3.4/5.0
• Condition / age +2.5/5.0
• Schools +1.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Charming 3-bedroom, 2-bathroom home located in desirable University City, offering a great opportunity for investors or buyers looking to add their personal touch. This home features a spacious layout with a functional floor plan, a full basement providing additional living or storage space, and a cozy sun porch ideal for relaxing or enjoying natural light. The property sits on a nice lot with a fenced backyard, perfect for outdoor entertaining or pets, and offers plenty of character throughout. Conveniently located near the Delmar Loop and the new Olia Village off Olive and 170, providing easy access to shopping, dining, and major major highways! Home to be sold as-is. Seller to make no repairs, inspections are for buyer’s knowledge only.

Key facts

• 5,680 sq ft lot
• Built 1922
• Listed 22 days

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $150k.

Deal economics

• At list price, monthly cash flow is $389 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $150k).
• Recommended offer: $148k (1.5% below list) — sets the bar for market timing.
• Cap rate 9.4% vs local median 4.9% in University City — 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 73/100 on livability (#84 in MO) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, cost of living B; Watch: amenities D-, commute D-, health & safety F.
• University City (suburban): math 15% / reading 26% proficiency, ranked #297 of 324 in MO (top 92%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 67% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising (+3.6%/yr); 162 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 40% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 920 units permitted in St. Louis County in 2024 (250 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.6% rent growth), your $42k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 22 days — a 2% lower offer ($148k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1922 — expect roof / HVAC / electrical / plumbing capex.
• 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 $147,750 (1.5% below list)

Questions for the listing agent

1. Built in 1922 — 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 B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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: 1.17% ✓
• Cap rate: 9.41%
• Cash-on-cash: 11.12%
• DSCR: 1.49
• GRM: 7.1

CMA / ARV

• ARV (median comp): $201,655
• List price: $150,000
• Delta: -25.62%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6721 Chamberlain Ave	0.13mi	3/1.0	1,242 (0%)	7mo	$190,000	$153	84
6810 Bartmer Ave	0.06mi	3/1.0	1,310 (+6%)	8mo	$189,900	$145	77
6959 Dartmouth Ave	0.23mi	3/2.0	1,331 (+7%)	2mo	$294,000	$221	76
7048 Arcadia Ave	0.48mi	3/1.0	1,232 (-1%)	3mo	$219,000	$178	70
6934 Julian Ave	0.45mi	2/1.0 (-1)	1,158 (-7%)	1mo	$130,000	$112	58
6624 Bartmer Ave	0.28mi	2/1.0 (-1)	1,125 (-9%)	6mo	$119,900	$107	57
7039 Plymouth Ave	0.53mi	4/1.5 (+1)	1,152 (-7%)	1mo	$126,500	$110	55
6736 Julian Ave	0.40mi	3/2.0	1,055 (-15%)	3mo	$139,900	$133	54
6821 Primrose Ave	0.62mi	3/1.0	1,344 (+8%)	2mo	$48,500	$36	52
6534 Whitney Ave	0.62mi	2/1.0 (-1)	1,126 (-9%)	0mo	$65,000	$58	46
6821 Raymond Ave	0.51mi	2/1.0 (-1)	1,064 (-14%)	7mo	$54,000	$51	37
1163 Partridge Ave	0.62mi	2/1.5 (-1)	1,080 (-13%)	7mo	$184,900	$171	36

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

Projected returns pro-forma

-3.0% appreciation · 3.61% rent growth · sell at horizon

5-year hold

• IRR: 1.0%
• Equity multiple: 1.04×
• Total profit: $1,564
• Equity at exit: $22,365

10-year hold

• IRR: 11.2%
• Equity multiple: 1.90×
• Total profit: $37,780
• Equity at exit: $12,969

Cash invested: $42,000 (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 63130

• Rents YoY: 3.6%
• Active inventory: 162
• Price-to-rent: 7.1×

Monthly cashflow live

• Estimated rent: $1,753 high
• Mortgage (P&I): −$787
• Tax from tax record: −$146 /mo · $1,755/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$368
• Net cashflow: $389

Break-even live

Break-even rent $1,260

Max offer price $150,000

Occupancy floor 73%

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: $37,500
• Closing costs: $4,500
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6704 Etzel Ave Saint Louis, MO	2.0	1.0	825	$1,325	$1.61	43d	1	0.20mi
6636 Etzel Ave Saint Louis, MO	3.0	2.0	1019	$1,350	$1.32	20d	1	0.23mi
6636 Etzel Ave Saint Louis, MO	3.0	1.5	1019	$1,350	$1.32	7d	1	0.23mi
6913 Etzel Ave Unit 1496954P University City, MO	3.0	2.0	1399	$5,767	$4.12	7d	1	0.29mi
6614 Chamberlain Ave Saint Louis, MO	3.0	2.0	1000	$1,820	$1.82	23d	1	0.29mi
6543 Etzel Ave Saint Louis, MO	3.0	1.0	967	$1,600	$1.65	17d	1	0.33mi
6827 Melrose Ave Saint Louis, MO	2.0	1.0	1200	$1,300	$1.08	7d	1	0.44mi
7055 Dartmouth Ave Unit 1 University City, MO	2.0	1.0	1320	$2,100	$1.59	43d	1	0.47mi
7055 Dartmouth Ave Unit 2 University City, MO	2.0	1.0	1320	$2,100	$1.59	43d	1	0.47mi
7034 Corbitt Ave Saint Louis, MO	2.0	2.0	870	$1,450	$1.67	23d	1	0.47mi
6936 Melrose Ave Saint Louis, MO	4.0	2.0	1396	$1,858	$1.33	23d	1	0.47mi
6318 Cabanne Ave Apt 1w University City, MO	2.0	1.0	950	$1,250	$1.32	4d	1	0.52mi
7104 Tulane Ave Saint Louis, MO	2.0	1.0	1400	$1,745	$1.25	43d	1	0.53mi
7104 Tulane Ave Unit 1 University City, MO	2.0	1.0	1200	$1,900	$1.58	23d	1	0.53mi
7125 Dartmouth Ave Saint Louis, MO	2.0	1.0	1242	$1,550	$1.25	43d	1	0.54mi
7120 Dartmouth Ave Unit A University City, MO	2.0	1.0	1200	$1,345	$1.12	3d	1	0.54mi
6312 Cates Ave Unit 2E University City, MO	2.0	1.0	900	$1,300	$1.44	43d	1	0.58mi
716 Westgate Ave Unit 3 University City, MO	3.0	2.0	1500	$2,995	$2.00	43d	1	0.60mi
6650 Delmar Blvd Saint Louis, MO	3.0	1.0–3.0	760	$2,095	$2.76	1d	1	0.64mi
7156 Tulane Ave Unit 56A University City, MO	2.0	1.0	1000	$1,295	$1.29	22d	1	0.64mi
6274 Cates Ave Saint Louis, MO	3.0	2.0	1400	$2,295	$1.64	43d	1	0.65mi
908 Eastgate Ave Unit 2N University City, MO	2.0	1.0	900	$1,300	$1.44	4d	1	0.65mi
6409 Enright Ave University City, MO	3.0	1.5	1320	$2,420	$1.83	1d	2	0.65mi
900 Eastgate Ave Saint Louis, MO	2.0	1.0	900	$1,095	$1.22	43d	1	0.65mi
6261 Clemens Ave Saint Louis, MO	3.0	1.0	1200	$1,700	$1.42	43d	1	0.67mi
7204 Tulane Ave Unit 7204-B Tulane University City, MO	2.0	1.0	1100	$1,100	$1.00	43d	1	0.67mi
603 Westgate Ave University City, MO	2.0	2.5	1290	$1,750	$1.36	43d	1	0.68mi
1115 Backer St Saint Louis, MO	3.0	1.0	984	$1,495	$1.52	23d	1	0.76mi
7254 Tulane Ave #1 University City, MO	2.0	1.0	1144	$1,600	$1.40	17d	1	0.78mi
1019 N Skinker Pkwy St. Louis, MO	1.0–3.0	1.0–3.0	1137	$2,795	$2.46	1d	9	0.81mi
7261 Delmar Blvd University City, MO	3.0	1.0	1416	$1,950	$1.38	2d	1	0.87mi
1131 Hodiamont Ave Unit 1135-2D St. Louis, MO	3.0	1.0	840	$1,225	$1.46	43d	1	0.90mi
1131 Hodiamont Ave St. Louis, MO	2.0	1.0	700	$1,050	$1.50	43d	1	0.90mi
7350 Amherst Ave Unit 1E University City, MO	2.0	1.0	1100	$1,795	$1.63	17d	1	0.94mi
6105 Delmar Blvd Saint Louis, MO	1.0–3.0	1.0–3.0	931	$2,610	$2.80	4d	1	0.99mi
6043 Clemens Ave Apt 2E St. Louis, MO	2.0	1.0	1023	$1,075	$1.05	23d	1	0.99mi
6048 Washington Blvd Unit 1W St. Louis, MO	2.0	2.0	1012	$1,475	$1.46	43d	1	1.08mi
6036 Washington Blvd Apt 1W St. Louis, MO	2.0	1.0	1200	$1,350	$1.12	17d	1	1.10mi
7361 Melrose Ave Saint Louis, MO	3.0	2.0	1278	$2,095	$1.64	43d	1	1.13mi
6186 Waterman Blvd Saint Louis, MO	3.0	1.5	1100	$3,000	$2.73	3d	1	1.13mi

Listing history 5 events

1. 2026-05-09
   status Pending 757-char remark

   Show marketing remark (757 chars)

   Charming 3-bedroom, 2-bathroom home located in desirable University City, offering a great opportunity for investors or buyers looking to add their personal touch. This home features a spacious layout with a functional floor plan, a full basement providing additional living or storage space, and a cozy sun porch ideal for relaxing or enjoying natural light. The property sits on a nice lot with a fenced backyard, perfect for outdoor entertaining or pets, and offers plenty of character throughout. Conveniently located near the Delmar Loop and the new Olia Village off Olive and 170, providing easy access to shopping, dining, and major major highways! Home to be sold as-is. Seller to make no repairs, inspections are for buyer’s knowledge only.

2. 2026-05-03
   price $150,000 757-char remark

   Show marketing remark (757 chars)

   Charming 3-bedroom, 2-bathroom home located in desirable University City, offering a great opportunity for investors or buyers looking to add their personal touch. This home features a spacious layout with a functional floor plan, a full basement providing additional living or storage space, and a cozy sun porch ideal for relaxing or enjoying natural light. The property sits on a nice lot with a fenced backyard, perfect for outdoor entertaining or pets, and offers plenty of character throughout. Conveniently located near the Delmar Loop and the new Olia Village off Olive and 170, providing easy access to shopping, dining, and major major highways! Home to be sold as-is. Seller to make no repairs, inspections are for buyer’s knowledge only.

3. 2026-04-17
   listed $160,000 Active 757-char remark

   Show marketing remark (757 chars)

   Charming 3-bedroom, 2-bathroom home located in desirable University City, offering a great opportunity for investors or buyers looking to add their personal touch. This home features a spacious layout with a functional floor plan, a full basement providing additional living or storage space, and a cozy sun porch ideal for relaxing or enjoying natural light. The property sits on a nice lot with a fenced backyard, perfect for outdoor entertaining or pets, and offers plenty of character throughout. Conveniently located near the Delmar Loop and the new Olia Village off Olive and 170, providing easy access to shopping, dining, and major major highways! Home to be sold as-is. Seller to make no repairs, inspections are for buyer’s knowledge only.

4. 2026-04-13
   historical $160,000 757-char remark

   Show marketing remark (757 chars)

   Charming 3-bedroom, 2-bathroom home located in desirable University City, offering a great opportunity for investors or buyers looking to add their personal touch. This home features a spacious layout with a functional floor plan, a full basement providing additional living or storage space, and a cozy sun porch ideal for relaxing or enjoying natural light. The property sits on a nice lot with a fenced backyard, perfect for outdoor entertaining or pets, and offers plenty of character throughout. Conveniently located near the Delmar Loop and the new Olia Village off Olive and 170, providing easy access to shopping, dining, and major major highways! Home to be sold as-is. Seller to make no repairs, inspections are for buyer’s knowledge only.

5. 1990-07-01
   soldstatus

ⓘ 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: $1,755 · $146/mo
• Projected year-2 tax: $1,755 · $146/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: $21,031
• − Mortgage interest: −$8,402
• − Property taxes: −$1,755
• − Insurance: −$750
• − Repairs & maintenance: −$1,682
• − Management: −$1,682
• − Depreciation: −$4,364
• Taxable income: $2,395
• Est. tax owed @ 24.0%: −$575
• After-tax cash flow: $4,095/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: University City
• NCES district ID: 2930660
• Math proficiency: 15% ▼ -10.00%
• Reading proficiency: 26% ▼ -7.00%
• Median HH income: $52,927
• Composite: 18.57/100
• National rank: #8910
• State rank: #297 of 324 in MO

Livability — University City

• Score: 73/100
• State rank: #84
• US rank: #5618

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: University City, MO
• County: Saint Louis County · 888,823 people
• City population: 28,910
• Metro: St. Louis, MO-IL
• Population (ZIP): 28,910
• Household income: $85,823
• Rent vs Own: 37.1% rent · 62.9% own
• Severe rent burden: 893.0

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 0.61)
• Race & ethnicity: White 54% Black 31% Asian 6% Two or more races 6% Hispanic / Latino 4%
• Common ancestry: Italian 3% Romanian 3% Lithuanian 2%
• Foreign-born: 11% · China, Canada, Vietnam
• Languages at home: 89% English-only · Chinese 4% Spanish 2% French/Haitian/Cajun 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: ▼ -436.88%
• Current HPI: 185.599
• Rent YoY: ▲ 3.61%
• 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

-6.2% since first listed

5 events — show timeline

• 2026-05-09 Pending — MARIS as Distributed by MLS Grid
• 2026-05-03 Price Changed $150,000 MARIS as Distributed by MLS Grid
• 2026-04-17 Listed $160,000 MARIS as Distributed by MLS Grid
• 2026-04-13 Coming Soon $160,000 MARIS as Distributed by MLS Grid
• 1990-07-01 Sold (Public Records) — Public Records

Property tax history

+3.5%/yr

Latest (2022): $1,755 · +1.0% YoY. Source: county tax records.