3950 Palm St, St. Louis, MO

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3950 Palm St, St. Louis, MO | HUDPRO

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HUDPRO Insight

What this property is

From a buyer’s lens, this reads as a large 4-bedroom, 2-bath single family home with 2,708 sq ft on a standard lot built in 1909. Larger HUD homes often carry higher utility and rehab carrying costs even when list price looks approachable. St. Louis, MO behaves like a more competitive submarket — tour early if owner-occupant priority applies.

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Financing & repairs

FHA status UI (uninsurable) usually means the property needs work before standard FHA insurance applies — many buyers route this through FHA 203(k) with a HUD-experienced lender, not a vanilla 203(b) assumption. Selling as-is often means HUD is not budgeting turn-key cosmetics — budget contingency for systems, moisture, and deferred maintenance even on insurable cases. 203(k) eligibility on the listing is a green light to discuss renovation financing — not a guarantee your contractor timeline fits the bid window. FHA $100 Down can reduce cash-to-close for eligible owner-occupants — program rules still apply to case status and bidding period.

What UI means for buyers HUD financing guide $100 Down listings

Buyer competition & practicality

Exclusive or lottery-style periods can narrow who may bid and when — match your agent’s registration to the case rules before you tour. Roughly 10 days on market is middle-aged for HUD — balance speed with diligence on repairs and neighborhood comps.

HUD buyer workflow Market News

Current bid phase

Owner Occupied*

All Bidders

* Owner Occupied includes non-profits & government agencies only

HUDPRO Property Snapshot

👎 Be careful with this one

Listing has had limited market response

Days on Market10 days

Price TrendStable

Listing ActivityUpdated

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HUD Program Eligibility

$100 Down EligibleYes

Good Neighbor Next DoorNo

203(k) Eligible – Repairs & Renovations FinancingYes

FHA StatusUI (Uninsured)

HUD List Price

$18,000

$100 Down Eligible

4 bd · 2 ba · 2,708 sq ft

Built 1909 · Lot 4,375 sq ft

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Saint Louis City County, MOReal estate agent

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Saint Louis City County, MOMortgage broker

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Saint Louis City County, MOHome inspector

Bid DateSun, Oct 18 • 11:59 PM CT

Buyer FitPhase: Owner Occupied · Uninsured

Property Snapshot4 bd / 2 ba · 2,708 sq ft

Financing203(k): Eligible · $100 Down

HUDPRO Buyer Report

Here's what we think
about this home.

3950 Palm St, St. Louis MO 63107 · Listed $18,000

Valuation data not available

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Is This a Deal?

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Valuation data not available

Can I Finance It?

FHA Options

Includes 203(k) rehab financing

Check with a HUDPRO mortgage partner for all options

Monthly ownership?

~$114 / mo

P&I from list price — no HOA on listing; add tax, insurance & MIP for full cost. Illustrative 30-yr FHA P&I at ~6.875% with 3.5% down. Not a lender quote.

How Much Work?

$15k – $25k

Moderate repairs estimated

Basic payment estimate

Principal & interest only — illustrative, not a loan offer. Plus or Elite adds HOA, taxes, insurance, MIP, and the full ownership breakdown.

Purchase priceDown payment (%)Interest rate (%)Term (years)

Est. monthly P&I: ~$110 / mo

Plus or Elite: full cost breakdown & deeper repair context →

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Real Deal™ score & value vs. market
Deep repair & condition context
Full ownership & scenario modeling
Strategy guidance

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How Urgent Is This?

4 days left

Bids due: Sun, Oct 18 (11:59 PM CT)

Homes like this move fast. Schedule a showing now.

Contact your HUDPRO team above to schedule a viewing before the deadline.

Buyer Eligibility

Owner-occupants only

Must be your primary residence for at least 12 months.

No investors during this period.

Recent Sold HUD Homes in This County

Archived HUD sales in Saint Louis City County — use as context, not a formal appraisal.

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Investors

Deal metrics

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List $ / sq ft

From list price & square footage (not compare API)

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Listing data reflects publicly available HUD program information. Confirm property details, market conditions, and bidding strategy with a HUD-experienced real estate professional familiar with your target area.