Brick Duplex with
For Sale
$220,000
Pending
3924 Geraldine Avenue, Saint Ann, MO 63074
Residential Income, St Ann, MO
Property Size1,440 SF
Lot Size0.22 Acres
Days on Market49
Property Features for 3924 Geraldine Avenue
General Information
Property type
Residential Multi Family
Property subtype
Single Family Residence
Rooms
Basement
Subdivision
John M Wright Pt
Elementary school
Kratz Elem.
Middle school
Hoech Middle
High school
Ritenour Sr. High
Elementary school district
Ritenour
Middle school district
Ritenour
High school district
Ritenour
Directions
St Charles rock rd to Geraldine. Go down about a mile or so. Property will be on the right hand side. Input 3926 Geraldine.
Standard status
Pending
APN
13L-54-1364
Size
1,440 SF
Lot size
0.22 Acres
Taxes and HOA fees
Tax Year
2025
Tax Annual Amount
3244
Utilities
Cooling system
Central Air
Amenities
hardwood floors
full basement
private driveway
kitchen appliances
washers and dryers
large backyard
Building Details
Year built
1965
Building materials
Brick
Architectural style
Ranch
Listing Agency:
Worth Clark Realty
(314) 222-0065
Listed By:
Casey Milton
(800) 991-6092
Added: Jul 31
Changed: Aug 19
Last Checked: Sep 17 at 5:06AM
MLS# 26049001
Copyright © 2026 Mid America Regional Information Systems, Inc. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.
Investment Insights
Based on property information with market context.
This ranch-style duplex at 3924 Geraldine Avenue contains 1,440 square feet and was built in 1965. The all-brick property includes two units, each with two bedrooms, one full bathroom, hardwood flooring, a full basement, and a private driveway. Kitchen appliances include gas ranges and refrigerators, while washers and dryers are also provided. Central air serves the building, and major systems have been updated.
The property sits on a 0.22-acre lot with a large backyard in St. Ann. Public transportation, grocery stores, shopping, restaurants, parks, and major highways are located nearby. The two-unit layout offers separate residential spaces within a single ranch-style building.
The property sits on a 0.22-acre lot with a large backyard in St. Ann. Public transportation, grocery stores, shopping, restaurants, parks, and major highways are located nearby. The two-unit layout offers separate residential spaces within a single ranch-style building.
Key Highlights
- Two‑unit duplex with 1,440 square feet
- Each unit includes 2 bedrooms and 1 full bath
- Full basement and private driveway for each unit
Financial Insights
Estimated NOI and Cap Rate
NOI = area × lease_rate × (100 − vacancy) / 100 × (1 − expense_ratio). Net Operating Income — what the owner takes home each year before mortgage payments and income tax. Effective rent (asking rent minus vacancy losses) minus operating costs (taxes, insurance, maintenance, management).
NOI / Yr
$15,399
Cap rate = NOI / list price × 100. Capitalization rate — annual return on a fully cash purchase, before financing. NOI divided by price. Higher means more income per dollar invested, but usually also more risk or older condition. 5–8% is typical for stabilized commercial property; double digits often signal distressed deals.
Cap Rate
7.00%
Suggested Prices Based on Cap Rates
Cap rates vary significantly by property type, market, and asset quality.
Typical U.S. stable-market ranges:
Multifamily — 4.5% to 6.5% (Class A in primary markets often sub-5%; Class C in secondary markets 6%+)
Industrial / Logistics — 5.0% to 7.0% (compressed heavily in recent years due to e-commerce demand)
Office — 6.5% to 9%+ (wide spread post-2020; CBD Class A vs. suburban Class B varies dramatically)
Retail — 5.5% to 8.5% (grocery-anchored on the low end, unanchored strip centers higher)
Hospitality / Hotels — 7.5% to 10%+ (higher due to operational risk)
Self-Storage — 5.5% to 7.5%
Medical Office — 6.0% to 7.5%
Net Lease (single tenant, credit) — 5.0% to 7.0% depending on tenant credit and lease term
Rules of thumb:
Primary markets (NYC, SF, LA, Boston, DC) trade at lower cap rates than secondary/tertiary markets, often by 100–200 bps (bps, aka basis points; 1 bp = 0.01%).
Class A assets trade ~50–150 bps tighter than Class B, and Class B tighter than Class C.
Cap rates move inversely with price — a lower cap rate means a higher price for the same NOI.
Spread to the 10-year Treasury is a common benchmark; historically 200–400 bps over the 10-year.
Cap Rate 5%
$307,980
$308.0K
Cap Rate 7%
$219,986
$220.0K
Cap Rate 9%
$171,100
$171.1K
Market Conditions
NOI Build-Up for 1,440 SF
Vacancy — income lost from leasable area expected to sit empty during the year, subtracted from gross rent.
EGI (Effective Gross Income) — gross rent minus vacancy losses, the realistic income before paying operating costs.
OpEx (Operating Expenses) — recurring costs to operate the property (property tax, insurance, utilities, maintenance, management); excludes financing and capital improvements.
NOI (Net Operating Income) — income a property generates after operating costs but before financing and taxes.
Gross rent
$23.3K $16.20/SF
− Vacancy
−$1.3K −$0.92/SF
EGI
$22.0K $15.28/SF
− OpEx
−$6.6K −$4.58/SF
NOI
$15.4K $10.69/SF
Area
St. Louis County, MO
Vacancy
5.70%
Lease Rate
$16.20 /SF/Yr
Expense Ratio
30.00%
Simulate Cap Rate and NOI
Suggested Prices Based on Cap Rates
Cap rates vary significantly by property type, market, and asset quality.
Typical U.S. stable-market ranges:
Multifamily — 4.5% to 6.5% (Class A in primary markets often sub-5%; Class C in secondary markets 6%+)
Industrial / Logistics — 5.0% to 7.0% (compressed heavily in recent years due to e-commerce demand)
Office — 6.5% to 9%+ (wide spread post-2020; CBD Class A vs. suburban Class B varies dramatically)
Retail — 5.5% to 8.5% (grocery-anchored on the low end, unanchored strip centers higher)
Hospitality / Hotels — 7.5% to 10%+ (higher due to operational risk)
Self-Storage — 5.5% to 7.5%
Medical Office — 6.0% to 7.5%
Net Lease (single tenant, credit) — 5.0% to 7.0% depending on tenant credit and lease term
Rules of thumb:
Primary markets (NYC, SF, LA, Boston, DC) trade at lower cap rates than secondary/tertiary markets, often by 100–200 bps (bps, aka basis points; 1 bp = 0.01%).
Class A assets trade ~50–150 bps tighter than Class B, and Class B tighter than Class C.
Cap rates move inversely with price — a lower cap rate means a higher price for the same NOI.
Spread to the 10-year Treasury is a common benchmark; historically 200–400 bps over the 10-year.
Cap Rate 5%
$307,980
Cap Rate 7%
$219,986
Cap Rate 9%
$171,100
Alternative Uses
Best Use
Multifamily LT 5
$220.0K
$192.5K – $256.7K
NOI $15,399 @ 7.0% cap · market cap 7.00%
Second Best
Apartment 5plus
$191.4K
$167.5K – $223.4K
NOI $13,401 @ 7.0% cap · market cap 6.09%
Theoretical Best
Office A
$309.0K
$270.4K – $360.6K
NOI $21,633 @ 7.0% cap · market cap 9.83%
Zoning and permitted uses should be independently verified with authorities.
Property Analytics
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Current Use
Lease Details
2
Residential units
Yes
Highway access
Location Intelligence
Trade Area within ½ mile
284
Businesses Nearby
Explore this area
Business Placement
Demographics for 63074, MO
15,233
Population
7,523
Households
2
Avg Household Size
38
Median Age
18%
College-Educated
90%
High-School Grad
3.9 sq mi
ZIP Area
3,906
Density / Sq Mi
$51,351
Median Household Income
$35,585
Median Earnings
$1,005
Median Rent
$119,500
Median Home Value
Check the figures for this property
Cap Rate, Value Estimation, Potential NOI and more
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Market
Vacancy Rate% for Multifamily in Midwest region
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Frequently Asked Questions
What type of property is this?
Duplex - Two-bedroom units include appliances, private driveways, and full basements.
Where is this duplex located?
The property is located at 3924 Geraldine Avenue Saint Ann, MO.
What is the asking price?
The asking price for this property is $220,000.
What are key features of this property?
This property features: Two‑unit duplex with 1,440 square feet; Each unit includes 2 bedrooms and 1 full bath; Full basement and private driveway for each unit
