14307 N Pennsylvania Ave Unit 3H · Oklahoma City, OK 73134

$119,777

1 bd · 1.0 ba · 855 sqft · Condo public records · 3 Days on market

Built 1982 $221/mo HOA · 20% of rent

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Why this score? — see what drove the D 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 +7.9/30.0
• ARV discount +7.5/15.0
• Appreciation +6.4/10.0
• 1% rule +4.4/10.0
• Livability +4.0/5.0
• Rent growth +3.8/5.0
• Schools +3.6/10.0
• Condition / age +2.5/5.0
• DSCR +2.0/10.0

Listing remarks MLS

Really spectacular 1 bed 1 bath condo. Large living room with fireplace and step up into the most wonderful office / 2nd living room. Renovated spacious bathroom with huge subway tiles and fun color on the cabinet. Open dining room gives way to the updated kitchen with new subway tile backsplash custom made cabinet doors quartz countertops new range and built-in microwave and dishwasher are on the way. Huge bedroom with walk in closet and access to the amazing covered balcony.

Key facts

• Remodeled bathroom
• Updated kitchen
• Large walk in closet

Tags

• OPEN CONCEPT FLOOR PLAN
• UPDATED KITCHEN
• REMODELED BATHROOM
• VERSATILE SECOND LIVING AREA
• LARGE WALK IN CLOSET
• DIRECT ACCESS TO COVERED PATIO

Property features AI

Finance

• Other: Private fenced outdoor pool with pool cover; Association-managed pool
• Financial info: Loan financing available (assumable: No)
• HOA & community: Mandatory association dues; Association fee includes gated entry, common area maintenance, partial utilities, and pool

Exterior

• Parking: 1 garage space; Open guest parking (directions note: park in open spots, not covered)
• Security: Gated community (association amenity)
• Utilities: Cable available; Electricity available; Public utilities
• Home design: Upper-level condominium; Residential condominium; Existing property
• Construction: Construction: Stone and other materials; Composition roof (roof year 2025); Slab foundation
• Exterior features: Covered patio; Balcony; Storage; Wood fencing; Corner lot

Interior

• Kitchen: Free-standing electric range/oven; Microwave; Dishwasher
• Bedrooms: 1 bedroom with a walk-in closet
• Flooring: Combination flooring; Tile; Vinyl
• Bathrooms: 1 full bathroom with tub and shower
• Heating & cooling: Electric heating
• Interior features: Breakfast bar and pantry in the kitchen; Loft; Ceiling fan in living room and bathroom; Masonry fireplace
• Laundry & utility: No study indicated

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath condo listed at $120k.

Deal economics

• At list price, monthly cash flow is $-129 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $97k (19.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $113k (5.5% below list).
• Recommended offer: $97k (19.0% below list) — sets the bar for cash-flow.
• Cap rate 5.0% 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; 25 comparable units currently listed for rent nearby; rentals leasing fast (median 4d on market — plan ~1-2 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 $4k of equity ($828 loan paydown + $3k appreciation (2.7% local appreciation)).
• Oklahoma County population projected at +41% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 8, paydown + projected appreciation supports a ~$30k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 22y ago; this cycle's ask has dropped $20k (14%) from the opening price — seller is motivated, your offer sets the floor, not the list.

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 $97,052 (19.0% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
8. 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.
9. 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.
10. 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: 0.94% ✗
• Cap rate: 5.00%
• Cash-on-cash: -4.60%
• DSCR: 0.80
• GRM: 8.8

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: 3.7%
• Equity multiple: 1.21×
• Total profit: $7,137
• Equity at exit: $51,935

10-year hold

• IRR: 8.4%
• Equity multiple: 2.30×
• Total profit: $43,495
• Equity at exit: $78,575

Cash invested: $33,538 (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: 8.8×

Monthly cashflow live

• Estimated rent: $1,132 high
• Mortgage (P&I): −$628
• Tax from tax record: −$124 /mo · $1,482/yr
• Insurance: −$50
• HOA: −$221
• Vacancy / Maint / Mgmt: −$238
• Net cashflow: $-129

Break-even live

Break-even rent $1,294

Max offer price $97,052

Occupancy floor —

Sensitivity live

Price	-10% $-61	-5% $-95	+0% $-129	+5% $-163	+10% $-196
Rent	-10% $-218	-5% $-173	+0% $-129	+5% $-84	+10% $-39
Rate	-1.0pp $-68	-0.5pp $-98	base $-129	+0.5pp $-160	+1.0pp $-191

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: $29,944
• Closing costs: $3,593
• Reserves months: —
• Total cash needed: —

Rent comps 25 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
14443 N Pennsylvania Ave Oklahoma City, OK	1.0	1.0	768	$900	$1.17	25d	1	0.12mi
14327 N Pennsylvania Ave Unit 36G Oklahoma City, OK	2.0	1.0	950	$1,100	$1.16	3d	1	0.15mi
1919 NW 142nd St Oklahoma City, OK	2.0	2.0	1100	$1,280	$1.16	25d	1	0.21mi
14520 N Pennsylvania Ave Oklahoma City, OK	1.0–3.0	1.0–2.0	1024	$930	$0.91	3d	12	0.22mi
14201 N Kentucky Ave Oklahoma City, OK	1.0–2.0	1.0–2.0	905	$1,628	$1.80	3d	18	0.22mi
2300 NW 145th St Oklahoma City, OK	1.0–3.0	1.0–2.0	1000	$1,615	$1.61	3d	12	0.27mi
14300 N Pennsylvania Ave Oklahoma City, OK	1.0–2.0	1.0–2.0	844	$799	$0.95	3d	1	0.34mi
14900 N Pennsylvania Ave Oklahoma City, OK	1.0–3.0	1.0–2.0	1027	$1,010	$0.98	3d	19	0.34mi
2400 Watermark Blvd Oklahoma City, OK	1.0	1.0	830	$1,329	$1.60	25d	1	0.45mi
14320 Mezzaluna Ave Oklahoma City, OK	1.0	1.0	966	$1,429	$1.48	25d	1	0.56mi
14320 Mezzaluna Ave Oklahoma City, OK	1.0	1.0	879	$1,329	$1.51	13d	1	0.56mi
14712 Mezzaluna Blvd Oklahoma City, OK	1.0–2.0	1.0–2.0	898	$1,299	$1.45	25d	25	0.60mi
2600 Watermark Blvd Oklahoma City, OK	1.0–2.0	1.0–2.5	1066	$1,069	$1.00	3d	10	0.67mi
2701 Watermark Blvd Oklahoma City, OK	1.0–3.0	1.0–2.0	1047	$1,161	$1.11	3d	19	0.76mi
15501 N Pennsylvania Ave Edmond, OK	2.0	2.0	958	$1,379	$1.44	16d	1	0.77mi
13600 N Blackwelder Ave Oklahoma City, OK	3.0	1.0–2.0	850	$1,348	$1.58	3d	27	0.80mi
14300 N May Ave Oklahoma City, OK	1.0–3.0	1.0–2.0	923	$890	$0.96	4d	15	0.84mi
14200 N May Ave Oklahoma City, OK	1.0–3.0	1.0–2.0	1031	$880	$0.85	3d	17	0.88mi
2609 Featherstone Rd Oklahoma City, OK	1.0–2.0	1.0–2.0	769	$699	$0.91	3d	34	0.94mi
12701 N Pennsylvania Ave Oklahoma City, OK	3.0	1.0–2.0	912	$1,122	$1.23	3d	15	1.04mi
12831 Stratford Dr Oklahoma City, OK	1.0–3.0	1.0–2.0	1122	$854	$0.76	3d	22	1.05mi
12821 Stratford Dr Oklahoma City, OK	2.0	2.0	1043	$1,078	$1.03	3d	1	1.18mi
2301 NW 122nd St Oklahoma City, OK	1.0	1.0	723	$940	$1.30	3d	28	1.34mi
3101 NW 150th St Oklahoma City, OK	1.0–2.0	1.0–2.0	811	$895	$1.10	3d	12	1.34mi
2401 NW 122nd St Oklahoma City, OK	1.0–2.0	1.0–2.0	844	$749	$0.89	25d	1	1.38mi

HOA detail condo

• Monthly dues: $221 · $2,652/yr
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 29 events

1. 2026-06-21
   days on market $119,777 Active 3 DOM
2. 2026-06-18
   pricedays on marketlisting id $119,777 Active 1 DOM
3. 2026-06-09
   days on market $124,777 Active 109 DOM
4. 2026-06-08
   days on market $124,777 Active 108 DOM
5. 2026-06-07
   days on market $124,777 Active 107 DOM
6. 2026-06-03
   days on market $124,777 Active 103 DOM
7. 2026-06-02
   days on market $124,777 Active 102 DOM
8. 2026-06-01
   days on market $124,777 Active 101 DOM
9. 2026-05-31
   days on market $124,777 Active 100 DOM
10. 2026-05-12
    price $124,777
11. 2026-04-14
    price $131,777
12. 2026-02-27
    price $134,777
13. 2026-02-20
    listed $139,777 Active
14. 2024-06-06
    soldstatus $128,000 Closed 485-char remark

    Show marketing remark (485 chars)

    Really spectacular 1 bed 1 bath condo. Large living room with fireplace and step up into the most wonderful office / 2nd living room. Renovated spacious bathroom with huge subway tiles and fun color on the cabinet. Open dining room gives way to the updated kitchen with new subway tile backsplash custom made cabinet doors quartz countertops new range and built-in microwave and dishwasher are on the way. Huge bedroom with walk in closet and access to the amazing covered balcony.

15. 2024-06-05
    soldstatus $128,000
16. 2024-05-08
    status Pending 485-char remark

    Show marketing remark (485 chars)

    Really spectacular 1 bed 1 bath condo. Large living room with fireplace and step up into the most wonderful office / 2nd living room. Renovated spacious bathroom with huge subway tiles and fun color on the cabinet. Open dining room gives way to the updated kitchen with new subway tile backsplash custom made cabinet doors quartz countertops new range and built-in microwave and dishwasher are on the way. Huge bedroom with walk in closet and access to the amazing covered balcony.

17. 2024-05-06
    listed $130,000 Active 485-char remark

    Show marketing remark (485 chars)

    Really spectacular 1 bed 1 bath condo. Large living room with fireplace and step up into the most wonderful office / 2nd living room. Renovated spacious bathroom with huge subway tiles and fun color on the cabinet. Open dining room gives way to the updated kitchen with new subway tile backsplash custom made cabinet doors quartz countertops new range and built-in microwave and dishwasher are on the way. Huge bedroom with walk in closet and access to the amazing covered balcony.

18. 2024-03-30
    historical
19. 2024-02-17
    listed $115,000 Active
20. 2015-01-28
    soldstatus $65,000
21. 2015-01-28
    soldstatus $65,000
22. 2014-10-02
    listed $65,900
23. 2008-07-31
    soldstatus $54,000
24. 2006-12-04
    soldstatus $55,000
25. 2004-10-29
    soldstatus $47,000
26. 2004-10-27
    soldstatus $47,000
27. 2004-08-28
    listed $48,500
28. 2002-01-03
    soldstatus $37,500
29. 1983-06-01
    soldstatus $45,500

ⓘ 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: $1,482 · $124/mo
• Projected year-2 tax: $1,482 · $124/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 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: $13,578
• − Mortgage interest: −$6,709
• − Property taxes: −$1,482
• − Insurance: −$599
• − Repairs & maintenance: −$1,086
• − Management: −$1,086
• − HOA: −$2,652
• − Depreciation: −$3,484
• Taxable loss: −$3,521
• Est. tax savings @ 24.0%: +$845
• After-tax cash flow: $-699/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

+174.2% since first listed

20 events — show timeline

• 2026-05-12 Price Changed $124,777 MLSOK
• 2026-04-14 Price Changed $131,777 MLSOK
• 2026-02-27 Price Changed $134,777 MLSOK
• 2026-02-20 Listed $139,777 MLSOK
• 2024-06-06 Sold (MLS) $128,000 MLSOK
• 2024-06-05 Sold (Public Records) $128,000 Public Records
• 2024-05-08 Pending — MLSOK
• 2024-05-06 Listed $130,000 MLSOK
• 2024-03-30 Listing Removed — MLSOK
• 2024-02-17 Listed $115,000 MLSOK
• 2015-01-28 Sold (Public Records) $65,000 Public Records
• 2015-01-28 Sold (MLS) $65,000 MLSOK
• 2014-10-02 Listed $65,900 MLSOK
• 2008-07-31 Sold (Public Records) $54,000 Public Records
• 2006-12-04 Sold (Public Records) $55,000 Public Records
• 2004-10-29 Sold (Public Records) $47,000 Public Records
• 2004-10-27 Sold (MLS) $47,000 MLSOK
• 2004-08-28 Listed $48,500 MLSOK
• 2002-01-03 Sold (Public Records) $37,500 Public Records
• 1983-06-01 Sold (Public Records) $45,500 Public Records

Property tax history

+5.4%/yr

Latest (2025): $1,482 · +28.5% YoY. Source: county tax records.