514 Jerry Lane St · Maud, OK 74854

$85,000

3 bd · 2.0 ba · 1,536 sqft · SingleFamily public records · 240 Days on market

Built 1960 1.30 ac lot ↓ 15% since listing

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Why this score? — see what drove the B 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 +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +8.8/10.0
• ARV discount +7.5/15.0
• Appreciation +6.2/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.4/10.0

Listing remarks

Fantastic Investment Opportunity in Maud, OK! Don’t miss this unique property featuring two 3-bedroom, 2-bath homes situated on approximately 1.3 acres (m/l) in a peaceful, corner-lot setting. The frame home offers great potential and is ready for your personal touch and remodel vision, while the double-wide home is in good condition and currently rented, providing instant income. Enjoy the best of both worlds — in-town convenience with a country feel and plenty of yard space for outdoor living. Whether you’re looking for a home with an income-producing property, a setup for extended family, or a dual-rental investment, this property offers endless possibilities and solid

Key facts

• Corner lot
• Outdoor living
• 1.3 acre lot

Tags

• CORNER LOT
• OUTDOOR LIVING
• INCOME PRODUCING PROPERTY
• DUAL RENTAL INVESTMENT

Property features AI

Finance

• Other: Property occupied; Corner property on approximately 1.3 acres; Directions: From Wanda Jackson Blvd and 9a, go N on 9A, then continue straight onto Green St. to Jerry Lane. Property on the NE corner.
• Financial info: Assumable loan status: Unknown; Loan qualification: Unknown
• HOA & community: No mandatory association dues

Exterior

• Utilities: Homestead exempt (yes)
• Home design: Single family residence; Residential property; One-level property; Model home
• Construction: Brick and frame construction; Mobile construction; Composition roof; Slab foundation; Built (existing)
• Exterior features: Corner lot; No exterior features listed

Interior

• Bedrooms: 3 bedrooms
• Flooring: Other flooring
• Bathrooms: 2 full bathrooms
• Interior features: One living area; No fireplace

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $85k.

Deal economics

• At list price, monthly cash flow is $429 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $85k).
• Recommended offer: $75k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 63/100 on livability (#204 in OK) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: employment D, amenities F, commute F.
• Maud (rural): math 10% / reading 15% proficiency, ranked #483 of 513 in OK (top 94%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 73% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Maud Es (math 8% / reading 8%, grade F, #741 of 845 statewide, top 89%, 187 students, 0% FRL); Maud Hs (math 10% / reading 10%, grade F, #361 of 447 statewide, top 94%, 83 students, 0% FRL) — zoned schools average 0% FRL vs 73% district-wide (73 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: 15 active listings in the ZIP; 183 units permitted in Pottawatomie County in 2024 (16 in 5+ unit buildings).

Forward outlook

• In year one you build about $3k of equity ($588 loan paydown + $2k appreciation (2.5% local appreciation)).
• Pottawatomie County population projected at +12% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (2.5% appreciation + 3.0% rent growth), your $24k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 240 days — a 12% lower offer ($75k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $74,800 (12.0% below list)

Questions for the listing agent

1. It's been on market 240 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1960 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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. 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.
7. 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.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.38% ✓
• Cap rate: 12.35%
• Cash-on-cash: 21.62%
• DSCR: 1.96
• GRM: 6.0

CMA / ARV

• ARV (on-the-fly): $192,000
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
507 Jerry Lane St	0.07mi	3/2.0	1,395 (-9%)	16mo	$175,000	$125	68
118 W Harrison St	0.52mi	3/2.0	1,500 (-2%)	7mo	$20,000	$13	66

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

2.45% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 26.7%
• Equity multiple: 2.47×
• Total profit: $35,083
• Equity at exit: $35,637

10-year hold

• IRR: 27.9%
• Equity multiple: 4.77×
• Total profit: $89,669
• Equity at exit: $52,992

Cash invested: $23,800 (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 74854

• Home prices YoY: 0.8%
• Active inventory: 15
• Price-to-rent: 6.0×

Monthly cashflow live

• Estimated rent: $1,172 medium
• Mortgage (P&I): −$446
• Tax from tax record: −$16 /mo · $195/yr
• Insurance: −$35
• HOA: −$0
• Vacancy / Maint / Mgmt: −$246
• Net cashflow: $429

Break-even live

Break-even rent $630

Max offer price $85,000

Occupancy floor 58%

Sensitivity live

Price	-10% $477	-5% $453	+0% $429	+5% $405	+10% $381
Rent	-10% $336	-5% $382	+0% $429	+5% $475	+10% $521
Rate	-1.0pp $472	-0.5pp $450	base $429	+0.5pp $407	+1.0pp $384

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: $21,250
• Closing costs: $2,550
• Reserves months: —
• Total cash needed: —

Listing history 18 events

1. 2026-06-21
   days on market $85,000 Active 240 DOM
2. 2026-06-18
   days on market $85,000 Active 238 DOM
3. 2026-06-17
   days on market $85,000 Active 237 DOM
4. 2026-06-16
   days on market $85,000 Active 236 DOM
5. 2026-06-15
   days on market $85,000 Active 235 DOM
6. 2026-06-13
   days on market $85,000 Active 233 DOM
7. 2026-06-12
   days on market $85,000 Active 232 DOM
8. 2026-06-09
   days on market $85,000 Active 229 DOM
9. 2026-06-08
   days on market $85,000 Active 228 DOM
10. 2026-06-08
    days on market $85,000 Active 227 DOM
11. 2026-06-05
    days on market $85,000 Active 225 DOM
12. 2026-06-04
    days on market $85,000 Active 223 DOM
13. 2026-06-02
    days on market $85,000 Active 222 DOM
14. 2026-06-01
    days on market $85,000 Active 221 DOM
15. 2026-05-31
    days on market $85,000 Active 220 DOM
16. 2026-04-29
    price $85,000
17. 2026-04-16
    price $89,900
18. 2025-10-22
    listed $100,000 Active

ⓘ 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: $195 · $16/mo
• Projected year-2 tax: $765 · $64/mo
• Expected delta: +$570/yr (+$47/mo · 292.3%)

ⓘ 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 9/10 Extreme
• 🌡 Heat 6/10 Major 7 d/yr ≥110°F today · 20 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 9% 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: $14,069
• − Mortgage interest: −$4,761
• − Property taxes: −$195
• − Insurance: −$425
• − Repairs & maintenance: −$1,125
• − Management: −$1,125
• − Depreciation: −$2,473
• Taxable income: $3,964
• Est. tax owed @ 24.0%: −$951
• After-tax cash flow: $4,194/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: Maud
• NCES district ID: 4019290
• Math proficiency: 10% ▼ -5.00%
• Reading proficiency: 15% ▼ -5.00%
• Median HH income: $40,416
• Composite: 14.32/100
• National rank: #14429
• State rank: #483 of 513 in OK

Livability — Maud

• Score: 63/100
• State rank: #204
• US rank: #15222

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Maud, OK
• Population (ZIP): 1,833

Population outlook (Pottawatomie County) Hauer SSP2

• Today (2025): 76,622 people
• By 2030: 78,816 · +2.9%
• By 2040: 82,766 · +8.0%
• By 2050: 86,031 · +12.3%
• By 2075: 93,316 · +21.8%
• By 2100: 95,820 · +25.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (71%)
• Race & ethnicity: White 71% Native American 16% Two or more races 10% Hispanic / Latino 8%
• Hispanic origin (detail): Mexican 6%
• Common ancestry: Slovak 2% Scottish 1% Lithuanian 1%
• Foreign-born: 2% · Canada
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · Pottawatomie

• 2024 margin: Solid R (+47.4) · D 25.2% · R 72.7% · Other 2.1%
• 2008→2024 swing: -9.1pp toward R · 2008: -38.4pp · 2024: -47.4pp
• All cycles: 2024: R+47.4 2020: R+46.0 2016: R+46.5 2012: R+38.7 2008: R+38.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 2.45%
• Current HPI: 290.0965
• Rent YoY: —
• Metro: —
• 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

-15.0% since first listed

3 events — show timeline

• 2026-04-29 Price Changed $85,000 MLSOK
• 2026-04-16 Price Changed $89,900 MLSOK
• 2025-10-22 Listed $100,000 MLSOK

Property tax history

-0.9%/yr

Latest (2025): $195 · +0.0% YoY. Source: county tax records.