1921 W Maple Ave · Enid, OK 73703

$128,900

3 bd · 1.0 ba · 1,520 sqft · SingleFamily public records · 23 Days on market

Built 1946 6,250 sqft lot Est $172k · 25% under

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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 +27.8/30.0
• ARV discount +15.0/15.0
• DSCR +9.8/10.0
• 1% rule +6.8/10.0
• Livability +3.2/5.0
• Rent growth +3.1/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Cash Sale, 2432 total sq ft mol per Courthouse Records, 1072 sq ft mol 1st floor, 408 sq ft mol 2nd floor, 952 sq ft mol basement, No Concessions pd by seller for buyer.

Key facts

• Massive bedroom
• Spacious living area
• Corner lot

Tags

• CORNER LOT
• TWO CAR CARPORT
• SPACIOUS LIVING AREA
• MASSIVE BEDROOM
• FOUR CLOSETS

Property features AI

Exterior

• Parking: 2-car garage
• Security: Smoke detectors
• Utilities: Public water; Public sewer
• Home design: Single-family residence; Residential property; Faces north; 2 stories
• Construction: Basement (unfinished)
• Exterior features: Composition roof; Corner lot

Interior

• Kitchen: Refrigerator
• Flooring: Hardwood
• Bathrooms: 1 full bathroom
• Heating & cooling: Floor furnace heating; Window unit cooling; Ceiling fans
• Interior features: Window coverings; Unfinished basement
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $129k.

Deal economics

• At list price, monthly cash flow is $393 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $129k).
• Recommended offer: $127k (1.5% below list) — sets the bar for market timing.
• Cap rate 10.0% vs local median 5.0% in Enid — 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 (#212 in OK) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment C-, schools D-, crime F.
• Enid (town): math 19% / reading 22% proficiency, ranked #168 of 270 in OK (top 62%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 64% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising (+2.4%/yr); 175 active listings in the ZIP; 19 units permitted in Garfield County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $891 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Garfield County population projected at +27% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 2.4% rent growth), your $36k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 23 days — a 2% lower offer ($127k) is reasonable based on typical stale-listing flexibility.
• 2 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 $64k; list at $129k implies a 102% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1946 — expect roof / HVAC / electrical / plumbing capex.
• 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 $126,966 (1.5% below list)

Questions for the listing agent

1. Built in 1946 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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?
5. 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.
6. 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.
7. 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: 1.18% ✓
• Cap rate: 9.95%
• Cash-on-cash: 13.07%
• DSCR: 1.58
• GRM: 7.1

CMA / ARV

• ARV (on-the-fly): $171,760
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
422 Lydell Carr Dr	0.14mi	3/1.0	1,416 (-7%)	2mo	$78,500	$55	81
2202 W Maine Ave	0.26mi	3/1.0	1,464 (-4%)	3mo	$125,000	$85	80
2011 W Walnut Ave	0.27mi	3/2.0	1,512 (-0%)	7mo	$166,000	$110	77
2105 W Broadway Ave	0.19mi	3/1.0	1,377 (-9%)	3mo	$145,000	$105	73
2314 W Maine St	0.34mi	3/2.0	1,616 (+6%)	4mo	$170,000	$105	66
2218 W Maple Ave	0.20mi	3/2.0	1,330 (-12%)	3mo	$161,000	$121	63
1407 W Broadway Ave	0.40mi	3/2.0	1,400 (-8%)	3mo	$165,000	$118	62
1214 Stonebridge Way	0.63mi	3/2.0	1,502 (-1%)	6mo	$280,000	$186	60
2835 W Elm Ave	0.73mi	3/3.0	1,488 (-2%)	5mo	$170,000	$114	51
1925 Live Oak St	0.72mi	3/2.0	1,628 (+7%)	4mo	$240,000	$147	48
1401 W Garriott	0.70mi	3/2.0	1,683 (+11%)	3mo	$60,000	$36	43
2906 W Broadway Ave	0.72mi	3/2.0	1,701 (+12%)	0mo	$192,000	$113	42

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 · 2.42% rent growth · sell at horizon

5-year hold

• IRR: 2.3%
• Equity multiple: 1.09×
• Total profit: $3,235
• Equity at exit: $19,219

10-year hold

• IRR: 11.4%
• Equity multiple: 1.87×
• Total profit: $31,359
• Equity at exit: $11,145

Cash invested: $36,092 (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 73703

• Rents YoY: 2.4%
• Active inventory: 175
• Price-to-rent: 7.1×

Monthly cashflow live

• Estimated rent: $1,516 medium
• Mortgage (P&I): −$676
• Tax from tax record: −$75 /mo · $895/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$318
• Net cashflow: $393

Break-even live

Break-even rent $1,018

Max offer price $128,900

Occupancy floor 69%

Sensitivity live

Price	-10% $466	-5% $430	+0% $393	+5% $357	+10% $320
Rent	-10% $273	-5% $333	+0% $393	+5% $453	+10% $513
Rate	-1.0pp $458	-0.5pp $426	base $393	+0.5pp $360	+1.0pp $326

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: $32,225
• Closing costs: $3,867
• Reserves months: —
• Total cash needed: —

Listing history 18 events

1. 2026-06-21
   days on market $128,900 Active 23 DOM
2. 2026-06-19
   days on market $128,900 Active 21 DOM
3. 2026-06-18
   days on market $128,900 Active 20 DOM
4. 2026-06-17
   days on market $128,900 Active 19 DOM
5. 2026-06-16
   days on market $128,900 Active 18 DOM
6. 2026-06-15
   days on market $128,900 Active 17 DOM
7. 2026-06-14
   days on market $128,900 Active 15 DOM
8. 2026-06-12
   days on market $128,900 Active 14 DOM
9. 2026-06-09
   days on market $128,900 Active 11 DOM
10. 2026-06-08
    days on market $128,900 Active 10 DOM
11. 2026-06-07
    days on market $128,900 Active 9 DOM
12. 2026-06-02
    days on market $128,900 Active 4 DOM
13. 2026-06-01
    days on market $128,900 Active 3 DOM
14. 2026-05-31
    days on market $128,900 Active 2 DOM
15. 2026-05-29
    listed $128,900 Active
16. 2018-12-14
    soldstatus $63,700 169-char remark

    Show marketing remark (169 chars)

    Cash Sale, 2432 total sq ft mol per Courthouse Records, 1072 sq ft mol 1st floor, 408 sq ft mol 2nd floor, 952 sq ft mol basement, No Concessions pd by seller for buyer.

17. 2018-12-14
    soldstatus $64,000

    Show marketing remark (169 chars)

    Cash Sale, 2432 total sq ft mol per Courthouse Records, 1072 sq ft mol 1st floor, 408 sq ft mol 2nd floor, 952 sq ft mol basement, No Concessions pd by seller for buyer.

18. 2018-11-26
    listed $63,700 169-char remark

    Show marketing remark (169 chars)

    Cash Sale, 2432 total sq ft mol per Courthouse Records, 1072 sq ft mol 1st floor, 408 sq ft mol 2nd floor, 952 sq ft mol basement, No Concessions pd by seller for buyer.

ⓘ 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: $895 · $75/mo
• Projected year-2 tax: $1,160 · $97/mo
• Expected delta: +$265/yr (+$22/mo · 29.6%)

ⓘ 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 1/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥107°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 2% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,186
• − Mortgage interest: −$7,220
• − Property taxes: −$895
• − Insurance: −$644
• − Repairs & maintenance: −$1,455
• − Management: −$1,455
• − Depreciation: −$3,750
• Taxable income: $2,767
• Est. tax owed @ 24.0%: −$664
• After-tax cash flow: $4,052/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: Enid
• NCES district ID: 4010920
• Math proficiency: 19% ▼ -11.00%
• Reading proficiency: 22% ▼ -9.00%
• Median HH income: $42,389
• Composite: 17.59/100
• National rank: #9040
• State rank: #168 of 270 in OK

Livability — Enid

• Score: 63/100
• State rank: #212
• US rank: #15472

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Enid, OK
• County: Garfield County · 55,032 people
• City population: 55,032
• Metro: Enid, OK
• Population (ZIP): 30,556
• Household income: $73,333
• Rent vs Own: 32.8% rent · 67.2% own
• Severe rent burden: 702.0

Population outlook (Garfield County) Hauer SSP2

• Today (2025): 69,026 people
• By 2030: 72,171 · +4.6%
• By 2040: 79,366 · +15.0%
• By 2050: 87,847 · +27.3%
• By 2075: 112,714 · +63.3%
• By 2100: 135,682 · +96.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (78%)
• Race & ethnicity: White 78% Hispanic / Latino 10% Two or more races 9% Black 2% Asian 2% Native American 2%
• Hispanic origin (detail): Mexican 8%
• Common ancestry: Iranian 2% Slovak 2% Serbian 1%
• Foreign-born: 4% · Canada, China
• Languages at home: 92% English-only · Spanish 5% Other Asian/Pacific 2% Chinese 1%

Political lean MEDSL · Garfield

• 2024 margin: Solid R (+53.8) · D 22.2% · R 76.0% · Other 1.8%
• 2008→2024 swing: -2.8pp toward R · 2008: -51.0pp · 2024: -53.8pp
• All cycles: 2024: R+53.8 2020: R+53.7 2016: R+53.5 2012: R+52.5 2008: R+51.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -111.61%
• Current HPI: 187.8197
• Rent YoY: ▲ 2.42%
• Metro: Enid, 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

+102.4% since first listed

4 events — show timeline

• 2026-05-29 Listed $128,900 NWOAR
• 2018-12-14 Sold (Public Records) $64,000 Public Records
• 2018-12-14 Sold (MLS) $63,700 NWOAR
• 2018-11-26 Listed $63,700 NWOAR

Property tax history

+12.8%/yr

Latest (2025): $895 · +7.8% YoY. Source: county tax records.