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4011 Palm St, Saint Louis, MO, 63107

5beds
2baths
2,200sqft
$49,000
$22price/sqft
$1,552/moest. monthly cost
$62,080/yrincome needed

About This Home

Great Investment Opportunity! ?Solid two-story brick duplex offering excellent potential for investors or owner-occupants. This spacious two-family home features a well-designed layout with a 2-bedroom unit on the first floor and a 3-bedroom unit on the second floor. The property offers generous living space with large rooms and a functional floor plan. With its strong structure and “good bones,” this is a true value-add opportunity—perfect for renovation and future income potential. Properties like this are often sought after by buyers looking to increase value through upgrades or rental income. This home is a fixer-upper and will require repairs and updates, making it ideal for investors, contractors, or buyers looking to customize to their taste. Sold AS-IS. Don’t miss the chance to transform this property into a high-performing asset. Call today for showing and more information!l

Getting Around

54
WalkingSomewhat Walkable
0
TransitVery Limited Transit
46
BikeSomewhat Bikeable

Schools

2/10
1/10
Vashon High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 1908

Materials

  • Construction materials: brick

Type & Style

  • Home type: MultiFamily

Interior

Appliances

  • Appliances included: Range / Oven,Refrigerator

Basement

  • Basement: Basement

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2

Heating & Cooling

  • Heating features: Gas
  • Cooling features: Central

Interior Area

  • Total interior livable area: 2,200 sqft

Property

Details

  • Parcel number: 51920001500
  • Special condition: Sale

Features

  • Patio & porch: Deck
  • Exterior features: Brick

Lot

  • Lot size: 3,300 sqft

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Earthquake
    EarthquakeModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Heat Wave
Inland Flooding
Tornado
Earthquake
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 $247$2,964
Home Insurance *$1,096$13,152
Property Taxes $42$504
Electricity $167$2,015
Total$1,552$18,624
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$53,211/yr
40% on housing$46,560/yr
45% on housing$41,386/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

$22This listing

vs Other Active Listings

Avg $/sqft

ZIP 63107$57
St. Louis City$113

vs Homes Sold Last Month

Median $/sqft

ZIP 63107$11
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
2026-05-06Listed for sale$49,000
2022-12-29Sold--
2020-01-09Listing removed$30,000
2020-01-03Pending sale$30,000
2019-12-26Listed for sale$30,000
2003-08-07Sold--

For Sale by Owner

AgentProperty Owner
BrokerageTatiana Sanders

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