811 NW 58th St · Lawton, OK
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 2/10 · Minimal
- Est. fire insurance / yr
- $2,463 – $4,575
Heat risk 7/10 · Major
- Hot days now (above 109°F)
- 7 days/yr
- Hot days in 30 yrs
- 19 days/yr
Wind risk 3/10 · Minor
- Chance of severe wind over 30 yrs
- 5.0%
Air-quality risk 1/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 0 days/yr
Risk factors via First Street. Map © Google.
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
- ARV discount +15.0/15.0
- 1% rule +10.0/10.0
- DSCR +10.0/10.0
- Rent growth +3.8/5.0
- Livability +3.2/5.0
- Condition / age +2.5/5.0
- Schools +2.0/10.0
- Appreciation +0.0/10.0
$73,000
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Beautiful redo. New roof, new windows, new paint inside and out, new wood fence, new water heater, new appliances, new countertops. 4 bedrooms & 2.5 baths.
Key facts
- Complete remodel
- Central heat and air
- Well maintained
Tags
Property features AI
Exterior
- Parking: Driveway (open parking, no garage)
- Security: Smoke detector(s)
- Utilities: Public water; Public sewer
- Home design: Single family residence; One level; Residential property zoned R-1 (single family)
- Construction: Brick veneer construction
- Exterior features: Covered porch; Wood fencing; Storm door(s); Composition roof; City street frontage; Paved public road
Interior
- Kitchen: Microwave; Dishwasher; Disposal; Refrigerator; Oven; Range hood; Electric water heater
- Flooring: Ceramic tile; Laminate
- Bathrooms: 2 full bathrooms; 1 half bathroom
- Heating & cooling: Central heating (electric); Central air (electric); Ceiling fans
- Interior features: Double pane windows; Crawl space foundation
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/1.0-bath single-family listed at $73k.
Deal economics
- At list price, monthly cash flow is $442 ($5k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($1k rent vs $73k).
- Cap rate 13.6% vs local median 6.1% in Lawton — 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 63/100 on livability (#206 in OK) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment D, crime F, commute F.
- Lawton (urban): math 20% / reading 26% proficiency, ranked #137 of 270 in OK (top 51%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
- Zoned schools: Edison Es (math 12% / reading 12%, grade F, #667 of 845 statewide, top 82%, 476 students, 0% FRL); Eisenhower Ms (math 20% / reading 30%, grade F, #90 of 345 statewide, top 27%, 1,035 students, 0% FRL); Eisenhower Hs (math 19% / reading 29%, grade F, #215 of 447 statewide, top 48%, 1,350 students, 0% FRL) — zoned schools average 0% FRL vs 54% district-wide (54 pts lower); this property's tenant base skews higher-income than the district average.
- Market conditions: Rents rising fast (+5.1%/yr); 398 active listings in the ZIP; 133 units permitted in Comanche County in 2024 (0 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $505 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
- Comanche County population projected to shrink 3% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
- At projected returns (-3.0% appreciation + 5.1% rent growth), your $20k cash investment doubles in ~5 years — after that, you're playing with house money.
Negotiation context
- Only 5 days on market — expect competitive offers; lowballing is unlikely to land.
- 2 sale attempts since 16y 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.
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.
Questions for the listing agent
- Built in 1964 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
- 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?
- 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.
- 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.
- 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
- 1.65% ✓
- Cap rate
- 13.56%
- Cash-on-cash
- 25.97%
- DSCR
- 2.16
- GRM
- 5.1
CMA / ARV
- ARV (on-the-fly)
- $95,157
- Comps found
- 12
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 704 NW 57th St | 0.09mi | 3/1.5 | 1,000 (+2%) | 4mo | $70,000 | $70 | 88 |
| 5341 NW Glenn Ave | 0.09mi | 3/1.0 | 930 (-5%) | 1mo | $135,000 | $145 | 86 |
| 406 NW 56th St | 0.34mi | 3/1.0 | 950 (-3%) | 0mo | $110,000 | $116 | 79 |
| 5333 NW Euclid Ave | 0.19mi | 3/1.0 | 900 (-8%) | 3mo | $102,000 | $113 | 75 |
| 6111 NW Maple Ave | 0.32mi | 3/2.0 | 1,000 (+2%) | 4mo | $70,000 | $70 | 74 |
| 407 NW Compass Dr | 0.48mi | 3/1.5 | 1,000 (+2%) | 4mo | $70,000 | $70 | 69 |
| 6106 NW Elm Ave | 0.23mi | 3/1.0 | 1,100 (+12%) | 6mo | $82,500 | $75 | 64 |
| 503 NW Compass Dr | 0.46mi | 3/1.5 | 1,100 (+12%) | 6mo | $129,900 | $118 | 51 |
| 6814 NW Willow Springs Dr | 0.73mi | 2/1.0 (-1) | 900 (-8%) | 2mo | $86,000 | $96 | 46 |
| 6808 NW Willow Springs Dr | 0.71mi | 2/1.0 (-1) | 900 (-8%) | 3mo | $87,000 | $97 | 45 |
| 68101 NW Willow Springs Dr | 0.74mi | 2/1.0 (-1) | 900 (-8%) | 6mo | $78,350 | $87 | 41 |
| 1416 NW 50th St | 0.74mi | 3/1.5 | 1,100 (+12%) | 6mo | $130,000 | $118 | 38 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-3.0% appreciation · 5.14% rent growth · sell at horizon
- IRR
- 22.1%
- Equity multiple
- 1.93×
- Total profit
- $19,010
- Equity at exit
- $10,885
- IRR
- 31.5%
- Equity multiple
- 4.14×
- Total profit
- $64,260
- Equity at exit
- $6,312
Cash invested: $20,440 (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
ZIP-level market 73505
- Rents YoY
- 5.1%
- Active inventory
- 398
- Price-to-rent
- 5.1×
Monthly cashflow live
- Estimated rent
- $1,203 medium interval (Pro) →
- Mortgage (P&I)
- −$383
- Tax from tax record
- −$95 /mo · $1,142/yr
- Insurance
- −$30
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$253
- Net cashflow
- $442
Break-even live
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
- $18,250
- Closing costs
- $2,190
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Listing history 6 events
-
2026-05-19status Pending
-
2026-05-14historical Active Under Contract
-
2026-05-03$73,000 Active
-
2010-06-29soldstatus $95,900 161-char remark
Show marketing remark (161 chars)
Beautiful redo. New roof, new windows, new paint inside and out, new wood fence, new water heater, new appliances, new countertops. 4 bedrooms & 2.5 baths.
-
2010-06-28soldstatus $96,000
-
2010-06-06$95,900 161-char remark
Show marketing remark (161 chars)
Beautiful redo. New roof, new windows, new paint inside and out, new wood fence, new water heater, new appliances, new countertops. 4 bedrooms & 2.5 baths.
ⓘ 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
- $1,142 · $95/mo
- Projected year-2 tax
- $1,142 · $95/mo
- Expected delta
- $0/yr ($0/mo · 0.0%)
ⓘ 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 7/10 Severe 7 d/yr ≥109°F today · 19 d/yr by 30 yrs out
- Wind 3/10 Moderate 5% chance of damaging wind over 30 yrs
- Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $14,442
- − Mortgage interest
- −$4,089
- − Property taxes
- −$1,142
- − Insurance
- −$365
- − Repairs & maintenance
- −$1,155
- − Management
- −$1,155
- − Depreciation
- −$2,124
- Taxable income
- $4,411
- Est. tax owed @ 24.0%
- −$1,059
- After-tax cash flow
- $4,249/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
- Lawton
- NCES district ID
- 4017250
- Math proficiency
- 20% ▼ -12.00%
- Reading proficiency
- 26% ▼ -9.00%
- Median HH income
- $42,618
- Composite
- 19.68/100
- National rank
- #8732
- State rank
- #137 of 270 in OK
Livability — Lawton
- Score
- 63/100
- State rank
- #206
- US rank
- #15131
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Lawton, OK
- County
- Comanche County · 96,361 people
- City population
- 89,233
- Metro
- Lawton, OK
- Population (ZIP)
- 47,790
- Household income
- $58,272
- Rent vs Own
- Severe rent burden
- 1986.0
Population outlook (Comanche County) Hauer SSP2
- Today (2025)
- 124,518 people
- By 2030
- 124,231 · -0.2%
- By 2040
- 122,193 · -1.9%
- By 2050
- 120,368 · -3.3%
- By 2075
- 120,492 · -3.2%
- By 2100
- 123,113 · -1.1%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Diverse neighborhood (Simpson 0.70)
- Race & ethnicity
- White 50% Black 17% Two or more races 16% Hispanic / Latino 16% Native American 4% Asian 3%
- Hispanic origin (detail)
- Mexican 11% Puerto Rican 2%
- Common ancestry
- Lithuanian 2% Slovak 2% Romanian 1%
- Foreign-born
- 6% · Canada, South Korea
- Languages at home
- 88% English-only · Spanish 6% German/W. Germanic 2% Korean 1%
Political lean MEDSL · Comanche
- 2024 margin
- Strong R (+23.3) · D 37.4% · R 60.7% · Other 1.9%
- 2008→2024 swing
- -5.8pp toward R · 2008: -17.5pp · 2024: -23.3pp
- All cycles
- 2024: R+23.3 2020: R+20.1 2016: R+23.7 2012: R+17.0 2008: R+17.5
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -134.88%
- Current HPI
- 169.4524
- Rent YoY
- ▲ 5.14%
- Metro
- Lawton, 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
-23.9% since first listed6 events — show timeline
- 2026-05-19 Pending — LBRMLS
- 2026-05-14 Contingent — LBRMLS
- 2026-05-03 Listed $73,000 LBRMLS
- 2010-06-29 Sold (MLS) $95,900 LBRMLS
- 2010-06-28 Sold (Public Records) $96,000 Public Records
- 2010-06-06 Listed $95,900 LBRMLS
Property tax history
+1.6%/yrLatest (2025): $1,142 · +4.5% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…