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4538 Ray Ave, Saint Louis, MO, 63116

2beds
1baths
863sqft
$129,900
$151price/sqft
$1,031/moest. monthly cost
$41,240/yrincome needed

About This Home

Bungalow with some updates located in the Bevo Mill. Situated in-between Carondelet and Tower Groves Parks. Separate living room and dining room with spacious eat in kitchen with stainless steel appliances and granite counter tops. Spacious bathroom with pedestal sink and medicine cabinet. Full basement with washer/dry included (no warranty)with walk up. Fenced backyard. Close to public transportation. Passed St Louis City Inspection.

Getting Around

71
WalkingVery Walkable
0
TransitVery Limited Transit
59
BikeBikeable

Schools

3/10
1/10
Roosevelt High SchoolGrades 9-121.7 mi

Construction

Condition

  • Year built: 1906

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Asbestos,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Stainless Steel Appliance(s)
  • Laundry features: In Basement,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Block,Unfinished,Walk-Up Access

Bathroom

  • Features: Floor Covering: Laminate
  • Level: Main
  • Area: 63
  • Dimensions: 9x7

Bedroom2

  • Features: Floor Covering: Wood
  • Level: Main
  • Area: 99
  • Dimensions: 11x9

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Features

  • Ceiling Fan(s),Eat-in Kitchen,Granite Counters,High Speed Internet,Separate Dining,Storage,Tub,Workshop/Hobby Area
  • Door features: Storm Door(s)
  • Window features: Blinds,Insulated Windows
  • Finished area above ground: 863

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 863
  • Total interior livable area: 863 sqft

Kitchen

  • Features: Floor Covering: Laminate
  • Level: Main
  • Area: 208
  • Dimensions: 16x13

Living Room

  • Features: Floor Covering: Wood
  • Level: Main
  • Area: 143
  • Dimensions: 13x11

Primary Bedroom

  • Features: Floor Covering: Wood
  • Level: Main
  • Area: 132
  • Dimensions: 12x11

Property

Details

  • Parcel number: 52740001200
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Covered
  • Exterior features: None
  • Fencing: Chain Link
  • Has view: Yes
  • View description: None

Lot

  • Lot size: 3,219 sqft
  • Features: Back Yard,City Lot,Front Yard,Near Public Transit
  • Lot size dimensions: 28 x 114 x 28 x 114

Parking

  • Parking features: Driveway
  • Has uncovered spaces: Yes

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
    TornadoVery High
  • Earthquake
    EarthquakeRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Heat Wave
Tornado
Earthquake
Cold Wave
Inland Flooding
Lightning
Strong Wind
Winter Weather

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 $656$7,872
Home Insurance *$123$1,476
Property Taxes $111$1,332
Electricity $141$1,693
Total$1,031$12,372
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$35,348/yr
40% on housing$30,930/yr
45% on housing$27,493/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

$151This listing

vs Other Active Listings

Avg $/sqft

ZIP 63116$107
St. Louis City$113

vs Homes Sold Last Month

Median $/sqft

ZIP 63116$155
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)

No zestimate history available

Price History

DateEventPrice
2026-07-26Price change$129,900
2026-07-22Price change$134,900
2026-07-20Listed for sale$150,000
2019-05-01Sold--
2019-03-02Pending sale$89,900
2019-02-08Price change$89,900
2018-12-06Price change$94,900
2018-11-08Price change$99,900
2018-11-01Price change$105,000
2018-10-17Listed for sale$112,500

For Sale by Agent

AgentBrenda S Ladd
BrokerageColdwell Banker Realty - Gundaker

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