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4628 Elmbank Ave, Saint Louis, MO, 63115

4beds
1baths
1,440sqft
$17,999
$12price/sqft
$396/moest. monthly cost
$15,840/yrincome needed

About This Home

Investor Special – Full Rehab Opportunity in North St. Louis! Welcome to 4628 Elmbank Ave, a two-story brick home with incredible potential for the savvy investor or rehabber. This 4-bedroom, 1-bath property has suffered fire damage and is being sold as-is, making it a true gut rehab project. With a full basement and spacious layout, this home offers a blank canvas for a complete transformation. Located in an area with growing interest and revitalization, this property is ideal for those looking to flip, rent, or restore a classic St. Louis home. Whether you're an experienced contractor or a visionary investor, this is your chance to bring new life to a distressed property and reap the rewards. Schedule your appointment today!

Getting Around

59
WalkingSomewhat Walkable
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

4/10
Hickey Elementary SchoolGrades PK-60.0 mi
2/10
1/10
Sumner High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1929

Materials

  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace features: Other
  • Fireplace: Yes
  • Finished area above ground: 1,440

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 1,440
  • Total interior livable area: 1,440 sqft

Property

Details

  • Parcel number: 44620600200
  • Special condition: Listing As Is

Features

  • Levels: Two
  • Pool features: None

Lot

  • Lot size: 2,500 sqft
  • Features: Other

Parking

  • Parking features: Off Street

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Heat Wave
    Heat WaveVery High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Heat Wave
Tornado
Cold Wave
Earthquake
Inland Flooding
Strong Wind

FEMA Declared Disasters Across Missouri Counties

Flood
Severe Storm
Straight Line Winds
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $91$1,092
Home Insurance *$149$1,788
Property Taxes $15$180
Electricity $141$1,693
Total$396$4,752
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$13,577/yr
40% on housing$11,880/yr
45% on housing$10,560/yr

Missouri FAIR Plan Programs

Missouri Property Insurance Placement Facility

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 2,041Commercial: 84
Total Premiums$2.35M
Total Exposure$198.26M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.5%
7.5%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.9%
1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$12This listing

vs Other Active Listings

Avg $/sqft

ZIP 63115$34
St. Louis City$113

vs Homes Sold Last Month

Median $/sqft

ZIP 63115$23
St. Louis City$146

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-03-26Price change$24,999
2026-03-17Listed for sale$27,000
2026-02-27Listing removed$27,000
2026-01-28Price change$27,000
2025-12-11Price change$27,999
2025-11-17Price change$29,999
2025-10-28Price change$32,000
2025-10-06Price change$33,000
2025-09-26Listed for sale$34,000
2025-09-04Sold--
2025-08-27Price change$35,000
2025-08-25Listed for sale$45,000

For Sale by Agent

AgentMelissa Davenport
BrokerageColdwell Banker Realty - Gundaker

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