8621 Martony Ln · Berkeley, MO 63134

$97,400

3 bd · 1.0 ba · 1,412 sqft · SingleFamily public records · 99 Days on market

Built 1907 0.29 ac lot $69/sqft · 31% below area Est $141k · 31% under

---

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
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +9.7/10.0
• Rent growth +2.9/5.0
• Livability +2.7/5.0
• Condition / age +2.5/5.0
• Schools +1.2/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to this 3-bedroom, 1-bath home located on a quiet cul-de-sac offering a solid opportunity for an investor or a buyer ready to take on their next project. The property features an attached garage, driveway parking, and a spacious backyard, providing functional outdoor space and added convenience. Inside, the home offers a layout ready for your vision, whether you're looking to update, renovate, or add value over time. Its location places it minutes from travel and nearby shopping, dining, and everyday conveniences, making it a practical option for future occupants. The property is being sold in as-is condition, with the seller to make no inspections or repairs. Showings available through ShowingTime / MLS only.

Key facts

• Spacious backyard
• Attached garage
• Cul-de-sac

Tags

• CUL-DE-SAC
• ATTACHED GARAGE
• DRIVEWAY PARKING
• SPACIOUS BACKYARD
• NEARBY SHOPPING
• NEARBY DINING

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $97k.

Deal economics

• At list price, monthly cash flow is $494 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $97k).
• Recommended offer: $89k (9.0% below list) — sets the bar for market timing.
• Cap rate 12.4% vs local median 10.1% in Berkeley — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 54/100 on livability (#774 in MO) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A; Watch: health & safety C-, schools F, crime 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 (+1.6%/yr); 70 active listings in the ZIP; 36 comparable units currently listed for rent nearby; rentals at typical pace (median 24d 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 39% of the median local income ($45k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $673 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 1.6% rent growth), your $27k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 99 days — a 9% lower offer ($89k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 9y ago; this cycle's ask has dropped $13k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $58k; list at $97k implies a 68% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1907 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $88,634 (9.0% below list)

Questions for the listing agent

1. It's been on market 99 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1907 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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 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: 1.47% ✓
• Cap rate: 12.38%
• Cash-on-cash: 21.74%
• DSCR: 1.97
• GRM: 5.7

CMA / ARV

• ARV (median comp): $141,104
• List price: $97,400
• Delta: -30.97%
• 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
6904 Frostview Ln	0.19mi	3/2.0	1,386 (-2%)	4mo	$185,000	$133	81
6706 Alder Ave	0.26mi	3/2.0	1,428 (+1%)	3mo	$155,500	$109	79
7009 Laupher Ln	0.34mi	3/1.5	1,340 (-5%)	3mo	$79,900	$60	71
8418 Midwood Ave	0.37mi	3/2.0	1,288 (-9%)	2mo	$125,000	$97	63
8443 Red Fir Dr	0.38mi	3/2.0	1,288 (-9%)	2mo	$32,000	$25	62
8723 Nyflot Ave	0.44mi	3/2.0	1,505 (+7%)	5mo	$180,000	$120	60
8406 January Ave	0.51mi	3/2.0	1,288 (-9%)	2mo	$160,000	$124	56
8415 Buckthorn Dr	0.55mi	3/1.5	1,308 (-7%)	4mo	$105,000	$80	56
6604 Graybirch Dr	0.61mi	3/2.0	1,288 (-9%)	1mo	$124,900	$97	52
1680 Clover Ln	0.73mi	3/2.0	1,350 (-4%)	3mo	$148,000	$110	52
225 Sadonia Ave	0.70mi	3/2.5	1,496 (+6%)	4mo	$105,000	$70	49
6801 Knoll Ave	0.75mi	3/1.0	1,224 (-13%)	1mo	$104,900	$86	42

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 · 1.61% rent growth · sell at horizon

5-year hold

• IRR: 12.8%
• Equity multiple: 1.50×
• Total profit: $13,710
• Equity at exit: $14,523

10-year hold

• IRR: 20.6%
• Equity multiple: 2.63×
• Total profit: $44,572
• Equity at exit: $8,421

Cash invested: $27,272 (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 63134

• Rents YoY: 1.6%
• Active inventory: 70
• Price-to-rent: 5.7×

Monthly cashflow live

• Estimated rent: $1,434 high
• Mortgage (P&I): −$511
• Tax from tax record: −$87 /mo · $1,044/yr
• Insurance: −$41
• HOA: −$0
• Vacancy / Maint / Mgmt: −$301
• Net cashflow: $494

Break-even live

Break-even rent $808

Max offer price $97,400

Occupancy floor 61%

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: $24,350
• Closing costs: $2,922
• Reserves months: —
• Total cash needed: —

Rent comps 36 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6698 Amora Ave Berkeley, MO	2.0–3.0	1.5	1625	$1,500	$0.92	44d	1	0.31mi
8412 Chalons Ct Saint Louis, MO	3.0	1.0	1380	$1,370	$0.99	24d	1	0.32mi
8330 Woodhurst Dr Saint Louis, MO	3.0	1.0	1120	$1,000	$0.89	7d	1	0.45mi
8437 January Ave Saint Louis, MO	3.0	2.0	1288	$1,350	$1.05	44d	1	0.47mi
7025 Richwood Ln Hazelwood, MO	3.0	1.0	936	$1,375	$1.47	18d	1	0.48mi
8418 Bayberry Dr Saint Louis, MO	3.0	2.0	1288	$1,350	$1.05	22d	1	0.49mi
263 Sadonia Ave Saint Louis, MO	3.0	2.0	888	$1,350	$1.52	44d	1	0.59mi
260 Sadonia Ave Saint Louis, MO	3.0	2.0	1088	$1,623	$1.49	20d	1	0.59mi
8439 Alder Ave Saint Louis, MO	3.0	1.5	1176	$1,425	$1.21	24d	1	0.59mi
8507 Tally Ho Dr Hazelwood, MO	2.0	1.5	1478	$1,300	$0.88	44d	5	0.61mi
6452 Evergreen Blvd Saint Louis, MO	3.0	2.0	1288	$1,500	$1.16	24d	1	0.63mi
6867 Thurston Ave Saint Louis, MO	3.0	2.0	1243	$1,580	$1.27	44d	1	0.83mi
171 Elbring Dr Saint Louis, MO	3.0	1.5	1008	$1,395	$1.38	12d	1	0.84mi
221 Barto Dr Saint Louis, MO	3.0	2.0	958	$1,295	$1.35	20d	1	0.84mi
153 Bascom Dr Saint Louis, MO	3.0	1.0	1076	$1,195	$1.11	20d	1	0.88mi
107 Anistasia Dr Saint Louis, MO	2.0	2.0	1030	$1,400	$1.36	24d	1	0.95mi
6625 Thurston Ave Saint Louis, MO	2.0	1.0	939	$1,300	$1.38	44d	1	0.96mi
6625 Thurston Ave Saint Louis, MO	2.0	1.0	939	$1,400	$1.49	24d	1	0.96mi
46 Bascom Dr Saint Louis, MO	2.0	1.0	932	$1,175	$1.26	44d	1	1.01mi
5 Santa Cruz Dr Florissant, MO	2.0	1.0	1410	$1,411	$1.00	16d	1	1.01mi
36 Connolly Dr Saint Louis, MO	3.0	1.0	1024	$1,149	$1.12	24d	1	1.01mi
11 Anistasia Dr Saint Louis, MO	3.0	1.5	1120	$1,345	$1.20	24d	1	1.06mi
1275 N Florissant Rd Saint Louis, MO	2.0	1.0	1008	$1,275	$1.26	24d	1	1.09mi
17 Valley Dr Florissant, MO	2.0	2.0	1356	$1,525	$1.12	44d	1	1.10mi
7437 Hazelcrest Dr Unit H Hazelwood, MO	3.0	1.0	1000	$1,000	$1.00	7d	1	1.11mi
1455 S New Florissant Rd Florissant, MO	4.0	1.0	1584	$1,721	$1.09	44d	1	1.12mi
1250 S New Florissant Rd Florissant, MO	2.0	1.0	1150	$1,500	$1.30	15d	1	1.18mi
541 Hentschel Pl Saint Louis, MO	2.0	1.0	1305	$1,500	$1.15	4d	1	1.18mi
1180 S New Florissant Rd Florissant, MO	3.0	1.0	925	$1,225	$1.32	24d	1	1.20mi
1131 N Florissant Rd Saint Louis, MO	3.0	1.0	1580	$1,390	$0.88	24d	1	1.20mi
1465 W Duchesne Dr Florissant, MO	3.0	1.0	896	$1,500	$1.67	44d	1	1.23mi
6042 Hancock Ave Berkeley, MO	3.0	1.0	1041	$1,495	$1.44	24d	1	1.26mi
6044 Cascade Dr Saint Louis, MO	2.0	1.0	984	$1,150	$1.17	7d	1	1.28mi
16 Mary Rose Ct Hazelwood, MO	3.0	2.0	1506	$1,706	$1.13	15d	1	1.36mi
6156 Wulff Dr Saint Louis, MO	3.0	2.0	960	$1,425	$1.48	10d	1	1.43mi
240 Chez Vant Ct Hazelwood, MO	2.0	1.5	1440	$1,350	$0.94	44d	1	1.47mi

Listing history 32 events

1. 2026-06-18
   days on market $97,400 Active 99 DOM
2. 2026-06-17
   days on market $97,400 Active 98 DOM
3. 2026-06-16
   days on market $97,400 Active 97 DOM
4. 2026-06-15
   days on market $97,400 Active 96 DOM
5. 2026-06-13
   days on market $97,400 Active 94 DOM
6. 2026-06-13
   days on market $97,400 Active 93 DOM
7. 2026-06-09
   days on market $97,400 Active 90 DOM
8. 2026-06-08
   days on market $97,400 Active 89 DOM
9. 2026-06-07
   days on market $97,400 Active 88 DOM
10. 2026-06-05
    days on market $97,400 Active 85 DOM
11. 2026-06-03
    days on market $97,400 Active 84 DOM
12. 2026-06-02
    days on market $97,400 Active 83 DOM
13. 2026-06-01
    days on market $97,400 Active 82 DOM
14. 2026-05-31
    days on market $97,400 Active 81 DOM
15. 2026-04-08
    price $97,400 730-char remark

    Show marketing remark (730 chars)

    Welcome to this 3-bedroom, 1-bath home located on a quiet cul-de-sac offering a solid opportunity for an investor or a buyer ready to take on their next project. The property features an attached garage, driveway parking, and a spacious backyard, providing functional outdoor space and added convenience. Inside, the home offers a layout ready for your vision, whether you're looking to update, renovate, or add value over time. Its location places it minutes from travel and nearby shopping, dining, and everyday conveniences, making it a practical option for future occupants. The property is being sold in as-is condition, with the seller to make no inspections or repairs. Showings available through ShowingTime / MLS only.

16. 2026-03-11
    listed $110,000 Active 730-char remark

    Show marketing remark (730 chars)

    Welcome to this 3-bedroom, 1-bath home located on a quiet cul-de-sac offering a solid opportunity for an investor or a buyer ready to take on their next project. The property features an attached garage, driveway parking, and a spacious backyard, providing functional outdoor space and added convenience. Inside, the home offers a layout ready for your vision, whether you're looking to update, renovate, or add value over time. Its location places it minutes from travel and nearby shopping, dining, and everyday conveniences, making it a practical option for future occupants. The property is being sold in as-is condition, with the seller to make no inspections or repairs. Showings available through ShowingTime / MLS only.

17. 2024-09-11
    soldstatus Closed 494-char remark

    Show marketing remark (494 chars)

    Built in 1907, this practical 3 bedroom and 1 bath home with a tenant in place generates $1400 in rental income! This home offers convenient access to major highways for effortless commuting--all ideal for an investor seeking reliable returns. Act quickly to seize this incredible opportunity! Kitchen, bathroom, hot water heater and furnace have all been replaced since purchasing in December, 2020. HOME BEING SOLD IN "AS IS" CONDITION--Seller to do no inspections or repairs.

18. 2024-07-22
    status Pending 494-char remark

    Show marketing remark (494 chars)

    Built in 1907, this practical 3 bedroom and 1 bath home with a tenant in place generates $1400 in rental income! This home offers convenient access to major highways for effortless commuting--all ideal for an investor seeking reliable returns. Act quickly to seize this incredible opportunity! Kitchen, bathroom, hot water heater and furnace have all been replaced since purchasing in December, 2020. HOME BEING SOLD IN "AS IS" CONDITION--Seller to do no inspections or repairs.

19. 2024-07-03
    price $129,000 494-char remark

    Show marketing remark (494 chars)

    Built in 1907, this practical 3 bedroom and 1 bath home with a tenant in place generates $1400 in rental income! This home offers convenient access to major highways for effortless commuting--all ideal for an investor seeking reliable returns. Act quickly to seize this incredible opportunity! Kitchen, bathroom, hot water heater and furnace have all been replaced since purchasing in December, 2020. HOME BEING SOLD IN "AS IS" CONDITION--Seller to do no inspections or repairs.

20. 2024-05-09
    listed $139,000 Active 494-char remark

    Show marketing remark (494 chars)

    Built in 1907, this practical 3 bedroom and 1 bath home with a tenant in place generates $1400 in rental income! This home offers convenient access to major highways for effortless commuting--all ideal for an investor seeking reliable returns. Act quickly to seize this incredible opportunity! Kitchen, bathroom, hot water heater and furnace have all been replaced since purchasing in December, 2020. HOME BEING SOLD IN "AS IS" CONDITION--Seller to do no inspections or repairs.

21. 2022-03-11
    price $1,200
22. 2021-01-07
    soldstatus $57,900
23. 2020-12-28
    soldstatus Closed
24. 2020-12-10
    status Pending
25. 2020-12-08
    listed $58,900 Active
26. 2018-02-09
    soldstatus Closed
27. 2018-01-26
    status Pending
28. 2017-12-11
    soldstatus
29. 2017-12-06
    listed $30,750 Active
30. 2007-07-11
    soldstatus
31. 1994-04-13
    soldstatus $36,000
32. 1992-08-26
    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: $1,044 · $87/mo
• Projected year-2 tax: $1,044 · $87/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 4/10 Moderate 7 d/yr ≥106°F today · 21 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,202
• − Mortgage interest: −$5,456
• − Property taxes: −$1,044
• − Insurance: −$487
• − Repairs & maintenance: −$1,376
• − Management: −$1,376
• − Depreciation: −$2,833
• Taxable income: $4,629
• Est. tax owed @ 24.0%: −$1,111
• After-tax cash flow: $4,818/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 — Berkeley

• Score: 54/100
• State rank: #774
• US rank: #23800

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Berkeley, MO
• County: Saint Louis County · 888,823 people
• City population: 13,059
• Metro: St. Louis, MO-IL
• Population (ZIP): 13,059
• Household income: $44,680
• Rent vs Own: 45.5% rent · 54.5% own
• Severe rent burden: 655.0

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 (66%)
• Race & ethnicity: Black 66% White 17% Hispanic / Latino 13% Two or more races 7%
• Hispanic origin (detail): Mexican 8%
• Common ancestry: Lithuanian 1%
• Foreign-born: 6% · Canada
• Languages at home: 86% English-only · Spanish 11%

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: ▼ -164.02%
• Current HPI: 226.9524
• Rent YoY: ▲ 1.61%
• 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

+170.6% since first listed

18 events — show timeline

• 2026-04-08 Price Changed $97,400 MARIS as Distributed by MLS Grid
• 2026-03-11 Listed $110,000 MARIS as Distributed by MLS Grid
• 2024-09-11 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2024-07-22 Pending — MARIS as Distributed by MLS Grid
• 2024-07-03 Price Changed $129,000 MARIS as Distributed by MLS Grid
• 2024-05-09 Listed $139,000 MARIS as Distributed by MLS Grid
• 2022-03-11 Price Changed $1,200 RENT.
• 2021-01-07 Sold (Public Records) $57,900 Public Records
• 2020-12-28 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2020-12-10 Pending — MARIS as Distributed by MLS Grid
• 2020-12-08 Listed $58,900 MARIS as Distributed by MLS Grid
• 2018-02-09 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2018-01-26 Pending — MARIS as Distributed by MLS Grid
• 2017-12-11 Sold (Public Records) — Public Records
• 2017-12-06 Listed $30,750 MARIS as Distributed by MLS Grid
• 2007-07-11 Sold (Public Records) — Public Records
• 1994-04-13 Sold (Public Records) $36,000 Public Records
• 1992-08-26 Sold (Public Records) — Public Records

Property tax history

-3.0%/yr

Latest (2022): $1,044 · +0.7% YoY. Source: county tax records.