14315 N Pennsylvania Ave Unit 13H · Oklahoma City, OK 73134

$139,900

2 bd · 2.0 ba · 1,134 sqft · Condo public records · 32 Days on market

Built 1982 $275/mo HOA · 19% of rent

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Why this score? — see what drove the C- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +13.9/30.0
• ARV discount +7.5/15.0
• Appreciation +6.4/10.0
• 1% rule +5.6/10.0
• DSCR +4.2/10.0
• Livability +4.0/5.0
• Rent growth +3.8/5.0
• Schools +3.6/10.0
• Condition / age +2.5/5.0

Listing remarks

Well-kept 2-bedroom, 2-bath condo in a desirable Northwest Oklahoma City location, offering 1,134 square feet of easy, low-maintenance living. The interior features fresh paint and a practical, open layout designed for everyday comfort. Conveniently located near Quail Springs Mall, dining, and retail, this property also includes access to community amenities such as a pool, clubhouse, and shared recreational spaces. A great option for buyers seeking value and convenience in a sought-after area.

Key facts

• Clubhouse
• Community amenities
• Open layout

Tags

• OPEN LAYOUT
• COMMUNITY AMENITIES
• POOL
• CLUBHOUSE
• SHARED RECREATIONAL SPACES

Property features AI

Finance

• Other: Occupied by owner; No home warranty; Infill lot
• Financial info: Financing options accepted: Cash, Conventional, FHA or VA; Assumable loans not available; Loan qualification possible
• HOA & community: Mandatory association dues; Association fee includes grounds maintenance, common area maintenance, pool, and recreation facility

Exterior

• Parking: No parking details provided
• Security: No security details provided
• Utilities: Electricity available; Natural gas available; High-speed internet available; Public utilities
• Home design: Condominium; One and one-half level unit; Residential property; Located in Quail Spgs Condo I
• Construction: Brick and frame construction; Composition roof; Slab foundation; Existing property
• Exterior features: Outdoor grill; Private outdoor pool

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Refrigerator; Trash compactor
• Bedrooms: 2 bedrooms
• Flooring: No flooring details provided
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating
• Interior features: Gas-log fireplace; Trash compactor; Dishwasher; Disposal; Microwave; Refrigerator
• Laundry & utility: No separate laundry details provided

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath condo listed at $140k.

Deal economics

• At list price, monthly cash flow is $15 ($181/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $140k).
• Recommended offer: $136k (3.0% below list) — sets the bar for market timing.
• Cap rate 6.4% vs local median 3.7% in Oklahoma City — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 80/100 on livability (#3 in OK, #1,635 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: crime F.
• Edmond (suburban): math 38% / reading 40% proficiency, ranked #11 of 270 in OK (top 4%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Scissortail Elementary School (331 students, 0% FRL); Summit Ms (math 22% / reading 27%, grade F, #97 of 345 statewide, top 31%, 940 students, 0% FRL); Santa Fe Hs (math 36% / reading 52%, grade F, #18 of 447 statewide, top 4%, 2,796 students, 0% FRL) — zoned schools average 0% FRL vs 22% district-wide (22 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: Rents rising fast (+5.2%/yr); 42 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); 5,365 units permitted in Oklahoma County in 2024 (569 in 5+ unit buildings).

Forward outlook

• In year one you build about $5k of equity ($967 loan paydown + $4k appreciation (2.7% local appreciation)).
• Oklahoma County population projected at +41% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (2.7% appreciation + 5.2% rent growth), your $39k cash investment doubles in ~6 years — after that, you're playing with house money.
• By year 7, paydown + projected appreciation supports a ~$30k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 32 days — a 3% lower offer ($136k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 8y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $58k; list at $140k implies a 141% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $135,703 (3.0% below list)

Questions for the listing agent

1. It's been on market 32 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
9. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.06% ✓
• Cap rate: 6.42%
• Cash-on-cash: 0.46%
• DSCR: 1.02
• GRM: 7.8

CMA / ARV

No comps found within radius.

Projected returns pro-forma

2.71% appreciation · 5.21% rent growth · sell at horizon

5-year hold

• IRR: 8.6%
• Equity multiple: 1.49×
• Total profit: $19,217
• Equity at exit: $60,660

10-year hold

• IRR: 12.6%
• Equity multiple: 2.92×
• Total profit: $75,350
• Equity at exit: $91,776

Cash invested: $39,172 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 83 Strongly Landlord-Friendly
• State Oklahoma: 83 Strongly Landlord-Friendly · R+20
• County: — inherits STATE
• City: — inherits STATE

5-day notice; strongly landlord-favorable.

Methodology + full state rankings →

ZIP-level market 73134

• Home prices YoY: 1.2%
• Rents YoY: 5.2%
• Active inventory: 42
• Price-to-rent: 7.8×

Monthly cashflow live

• Estimated rent: $1,485 high
• Mortgage (P&I): −$734
• Tax from tax record: −$91 /mo · $1,096/yr
• Insurance: −$58
• HOA: −$275
• Vacancy / Maint / Mgmt: −$312
• Net cashflow: $15

Break-even live

Break-even rent $1,466

Max offer price $139,900

Occupancy floor 94%

Sensitivity live

Price	-10% $94	-5% $55	+0% $15	+5% $-25	+10% $-64
Rent	-10% $-102	-5% $-44	+0% $15	+5% $74	+10% $132
Rate	-1.0pp $86	-0.5pp $51	base $15	+0.5pp $-21	+1.0pp $-58

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $34,975
• Closing costs: $4,197
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
14327 N Pennsylvania Ave Unit 36G Oklahoma City, OK	2.0	1.0	950	$1,100	$1.16	3d	1	0.09mi
14425 N Pennsylvania Ave Unit 20B Oklahoma City, OK	2.0	2.0	1134	$1,299	$1.15	25d	1	0.10mi
14433 N Pennsylvania Ave Unit 27A Oklahoma City, OK	3.0	2.0	1360	$1,750	$1.29	3d	1	0.19mi
14443 N Pennsylvania Ave Oklahoma City, OK	1.0	1.0	768	$900	$1.17	25d	1	0.20mi
2300 NW 145th St Oklahoma City, OK	1.0–3.0	1.0–2.0	1000	$1,920	$1.92	3d	12	0.22mi
14201 N Kentucky Ave Oklahoma City, OK	1.0–2.0	1.0–2.0	905	$2,340	$2.59	3d	18	0.24mi
1919 NW 142nd St Oklahoma City, OK	2.0	2.0	1100	$1,280	$1.16	25d	1	0.27mi
14520 N Pennsylvania Ave Oklahoma City, OK	1.0–3.0	1.0–2.0	1024	$1,320	$1.29	3d	12	0.30mi
14419 Moon Daisy Dr Edmond, OK	3.0	2.0	1112	$1,800	$1.62	3d	1	0.36mi
14300 N Pennsylvania Ave Oklahoma City, OK	1.0–2.0	1.0–2.0	844	$1,029	$1.22	3d	1	0.38mi
1812 NW 143rd St Edmond, OK	3.0	2.0	1445	$1,697	$1.17	3d	1	0.40mi
1804 NW 143rd St Edmond, OK	3.0	2.0	1260	$1,595	$1.27	25d	1	0.42mi
14900 N Pennsylvania Ave Oklahoma City, OK	1.0–3.0	1.0–2.0	1027	$1,362	$1.33	3d	19	0.43mi
2400 Watermark Blvd Oklahoma City, OK	1.0	1.0	830	$1,329	$1.60	25d	1	0.43mi
2400 Watermark Blvd Oklahoma City, OK	2.0	2.0	1267	$1,679	$1.33	23d	1	0.43mi
1804 NW 145th St Edmond, OK	3.0	2.0	1260	$1,500	$1.19	25d	1	0.46mi
14320 Mezzaluna Ave Oklahoma City, OK	1.0	1.0	966	$1,429	$1.48	25d	1	0.52mi
14320 Mezzaluna Ave Oklahoma City, OK	2.0	2.0	1267	$1,619	$1.28	16d	1	0.52mi
14320 Mezzaluna Ave Oklahoma City, OK	1.0	1.0	879	$1,329	$1.51	13d	1	0.52mi
1809 NW 146th St Edmond, OK	3.0	2.0	1202	$1,625	$1.35	5d	1	0.53mi
1608 NW 145th St Edmond, OK	3.0	2.0	1354	$1,575	$1.16	25d	1	0.55mi
14712 Mezzaluna Blvd Oklahoma City, OK	1.0–2.0	1.0–2.0	898	$1,950	$2.17	25d	25	0.58mi
2600 Watermark Blvd Oklahoma City, OK	1.0–2.0	1.0–2.5	1066	$1,567	$1.47	3d	10	0.64mi
1716 NW 150th Ter Edmond, OK	3.0	3.0	1472	$1,695	$1.15	25d	1	0.69mi
2701 Watermark Blvd Oklahoma City, OK	1.0–3.0	1.0–2.0	1047	$1,480	$1.41	3d	19	0.74mi
14300 N May Ave Oklahoma City, OK	1.0–3.0	1.0–2.0	923	$1,255	$1.36	4d	15	0.78mi
13600 N Blackwelder Ave Oklahoma City, OK	3.0	1.0–2.0	850	$1,671	$1.97	3d	27	0.78mi
14200 N May Ave Oklahoma City, OK	1.0–3.0	1.0–2.0	1031	$1,302	$1.26	3d	17	0.82mi
15501 N Pennsylvania Ave Edmond, OK	2.0	2.0	958	$1,379	$1.44	16d	1	0.83mi
15501 N Pennsylvania Ave Edmond, OK	3.0	2.0	1053	$1,699	$1.61	22d	1	0.83mi
15501 N Pennsylvania Ave Edmond, OK	3.0	2.0	1053	$1,699	$1.61	25d	1	0.83mi
2609 Featherstone Rd Oklahoma City, OK	1.0–2.0	1.0–2.0	769	$1,150	$1.50	3d	34	0.85mi
2523 NW 132nd Pl Oklahoma City, OK	3.0	2.5	1328	$2,450	$1.84	25d	1	0.86mi
2540 NW 132nd Pl Oklahoma City, OK	3.0	2.5	1385	$2,400	$1.73	25d	1	0.89mi
2201 NW 155th St Edmond, OK	2.0	2.0	1149	$1,495	$1.30	25d	1	0.95mi
12831 Stratford Dr Oklahoma City, OK	1.0–3.0	1.0–2.0	1122	$2,295	$2.05	3d	22	0.97mi
2533 NW 129th St Oklahoma City, OK	3.0	2.5	1497	$2,200	$1.47	5d	1	0.97mi
2533 NW 129th St Oklahoma City, OK	3.0	2.0	1500	$2,200	$1.47	25d	1	0.97mi
12701 N Pennsylvania Ave Oklahoma City, OK	3.0	1.0–2.0	912	$1,358	$1.49	3d	15	0.97mi
2610 Crescent Ave Oklahoma City, OK	3.0	2.5	1387	$2,125	$1.53	23d	1	1.04mi

HOA detail condo

• Monthly dues: $275 · $3,300/yr
• Likely covers: pool
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 25 events

1. 2026-06-21
   days on market $139,900 Active 32 DOM
2. 2026-06-18
   days on market $139,900 Active 29 DOM
3. 2026-06-17
   days on market $139,900 Active 28 DOM
4. 2026-06-16
   days on market $139,900 Active 27 DOM
5. 2026-06-15
   days on market $139,900 Active 26 DOM
6. 2026-06-13
   days on market $139,900 Active 24 DOM
7. 2026-06-09
   days on market $139,900 Active 20 DOM
8. 2026-06-08
   days on market $139,900 Active 19 DOM
9. 2026-06-07
   days on market $139,900 Active 18 DOM
10. 2026-06-03
    days on market $139,900 Active 14 DOM
11. 2026-06-02
    days on market $139,900 Active 13 DOM
12. 2026-06-01
    days on market $139,900 Active 12 DOM
13. 2026-05-31
    days on market $139,900 Active 11 DOM
14. 2026-05-04
    listed $139,900 Active
15. 2026-03-02
    historical
16. 2026-02-20
    status Active
17. 2025-09-03
    listed $148,500 Active
18. 2025-05-13
    status Pending
19. 2025-05-12
    historical
20. 2025-05-07
    listed $149,900 Active
21. 2019-03-06
    historical
22. 2018-08-26
    status Active
23. 2018-08-24
    status Pending
24. 2018-06-07
    listed $92,000 Active
25. 2004-08-27
    soldstatus $58,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast OK · Resets to sale price

• Current annual tax: $1,096 · $91/mo
• Projected year-2 tax: $1,259 · $105/mo
• Expected delta: +$163/yr (+$14/mo · 14.8%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥108°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 4% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,823
• − Mortgage interest: −$7,837
• − Property taxes: −$1,096
• − Insurance: −$700
• − Repairs & maintenance: −$1,426
• − Management: −$1,426
• − HOA: −$3,300
• − Depreciation: −$4,070
• Taxable loss: −$2,031
• Est. tax savings @ 24.0%: +$487
• After-tax cash flow: $668/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Edmond
• NCES district ID: 4010590
• Math proficiency: 38% ▼ -12.00%
• Reading proficiency: 40% ▼ -12.00%
• Median HH income: $73,212
• Composite: 35.88/100
• National rank: #4814
• State rank: #11 of 270 in OK

Livability — Oklahoma City

• Score: 80/100
• State rank: #3
• US rank: #1635

Category grades

Amenities A+ Commute A+ Cost of living A+ Crime F Employment C Housing A+ Health & safety A+ User ratings B

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Oklahoma City, OK
• County: Oklahoma County · 771,644 people
• City population: 498,656
• Metro: Oklahoma City, OK
• Population (ZIP): 7,522
• Household income: $66,307
• Rent vs Own: 86.4% rent · 13.6% own
• Severe rent burden: 934.0

Population outlook (Oklahoma County) Hauer SSP2

• Today (2025): 911,875 people
• By 2030: 982,413 · +7.7%
• By 2040: 1,130,468 · +24.0%
• By 2050: 1,288,422 · +41.3%
• By 2075: 1,711,482 · +87.7%
• By 2100: 2,088,448 · +129.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.69)
• Race & ethnicity: White 49% Black 20% Hispanic / Latino 14% Two or more races 8% Asian 7% Native American 4%
• Hispanic origin (detail): Mexican 12%
• Common ancestry: Iranian 2% Italian 2% Lithuanian 1%
• Foreign-born: 10% · Canada, Vietnam
• Languages at home: 86% English-only · Spanish 7% Other Indo-European 2% Vietnamese 2%

Political lean MEDSL · Oklahoma

• 2024 margin: Toss-up / Even · D 48.0% · R 49.7% · Other 2.3%
• 2008→2024 swing: +15.1pp toward D · 2008: -16.8pp · 2024: -1.7pp
• All cycles: 2024: R+1.7 2020: R+1.1 2016: R+10.5 2012: R+16.7 2008: R+16.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 2.71%
• Current HPI: 219.5373
• Rent YoY: ▲ 5.21%
• Metro: Oklahoma City, OK
• State GDP YoY: ▲ 1.55%
• F500 in state: 6

Industry mix (Fortune 500 HQ in OK)

Industry	F500 HQs	Revenue
▸Energy	3	$48B

Price history

+141.2% since first listed

12 events — show timeline

• 2026-05-04 Listed $139,900 MLSOK
• 2026-03-02 Listing Removed — MLSOK
• 2026-02-20 Relisted — MLSOK
• 2025-09-03 Listed $148,500 MLSOK
• 2025-05-13 Pending — MLSOK
• 2025-05-12 Listing Removed — MLSOK
• 2025-05-07 Listed $149,900 MLSOK
• 2019-03-06 Listing Removed — MLSOK
• 2018-08-26 Relisted — MLSOK
• 2018-08-24 Pending — MLSOK
• 2018-06-07 Listed $92,000 MLSOK
• 2004-08-27 Sold (Public Records) $58,000 Public Records

Property tax history

+2.6%/yr

Latest (2025): $1,096 · +3.7% YoY. Source: county tax records.