14417 N Pennsylvania Ave Unit 17F · Oklahoma City, OK 73134

$144,999

2 bd · 3.0 ba · 1,214 sqft · Condo public records · 15 Days on market

Built 1982 $122/mo HOA · 8% 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 +17.3/30.0
• ARV discount +7.5/15.0
• Appreciation +6.4/10.0
• DSCR +5.4/10.0
• 1% rule +5.2/10.0
• Livability +4.0/5.0
• Rent growth +3.8/5.0
• Schools +3.6/10.0
• Condition / age +2.5/5.0

Listing remarks MLS

Beautifully remodeled 2 bed 2.1 bath 2 story condo just steps from the swimming pool. One of the largest units with large laundry room and half bath off the completely remodeled kitchen. Granite countertops, wood floors. Master bedroom has whirlpool tub, walk in closet and private balcony. HOA covers basic cable, water, trash, gated entry, greenbelt areas and recreational areas (pool).

Key facts

• New tile flooring
• New siding
• Renovated kitchen

Tags

• RENOVATED KITCHEN
• NEW GRANITE COUNTERTOPS
• UPDATED LIGHT FIXTURES
• NEW TILE FLOORING
• MODERN TILED SHOWER SURROUND
• NEW SIDING

Property features AI

Finance

• Other: No storm shelter; No homestead indicated
• Financial info: Cash, Conventional, or FHA/VA financing accepted; Loan qualification possible
• HOA & community: Mandatory association dues; Association fee $735; Association covers gated entry, grounds maintenance, common area maintenance, pool, recreation facility

Exterior

• Parking: Other parking
• Utilities: Electricity available; Natural gas available; Public utilities
• Home design: Condominium; Residential multi-level property
• Construction: Brick and frame with stone accents; Shingle roof (roof year 2025); Slab foundation; Existing property
• Exterior features: Balcony; Covered porch; Interior lot; Outdoor private pool (community/private listed as Has Private Pool and Outdoor Pool)

Interior

• Kitchen: Free‑standing electric range/oven; Dishwasher; Microwave; Refrigerator; Disposal
• Bedrooms: 2 bedrooms
• Flooring: Carpet; Laminate; Tile
• Bathrooms: 2 full bathrooms; 1 half bathroom
• Interior features: Dishwasher; Disposal; Microwave; Refrigerator; Water heater; Smoke alarm; Free‑standing fireplace
• Laundry & utility: Washer and dryer included

What this means for you Summary

Snapshot

• This is a 2-bed/3.0-bath condo listed at $145k.

Deal economics

• At list price, monthly cash flow is $105 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $145k).
• Recommended offer: $143k (1.5% below list) — sets the bar for market timing.
• Cap rate 7.2% 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: Angie Debo Es (math 32% / reading 27%, grade F, #255 of 845 statewide, top 35%, 579 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 15d 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 ($1k 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 $41k cash investment doubles in ~6 years — after that, you're playing with house money.
• By year 7, paydown + projected appreciation supports a ~$31k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 15 days — a 2% lower offer ($143k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 9y 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 $88k; list at $145k implies a 65% 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 $142,824 (1.5% below list)

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
2. 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?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
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 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: 1.02% ✓
• Cap rate: 7.17%
• Cash-on-cash: 3.12%
• DSCR: 1.14
• GRM: 8.1

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: 11.0%
• Equity multiple: 1.63×
• Total profit: $25,429
• Equity at exit: $62,871

10-year hold

• IRR: 14.6%
• Equity multiple: 3.20×
• Total profit: $89,375
• Equity at exit: $95,121

Cash invested: $40,600 (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: 8.1×

Monthly cashflow live

• Estimated rent: $1,483 high
• Mortgage (P&I): −$760
• Tax from tax record: −$123 /mo · $1,478/yr
• Insurance: −$60
• HOA: −$122
• Vacancy / Maint / Mgmt: −$311
• Net cashflow: $105

Break-even live

Break-even rent $1,349

Max offer price $144,999

Occupancy floor 88%

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: $36,250
• Closing costs: $4,350
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
14425 N Pennsylvania Ave Unit 20B Oklahoma City, OK	2.0	2.0	1134	$1,299	$1.15	24d	1	0.07mi
14443 N Pennsylvania Ave Oklahoma City, OK	1.0	1.0	768	$900	$1.17	24d	1	0.09mi
14433 N Pennsylvania Ave Unit 27A Oklahoma City, OK	3.0	2.0	1360	$1,750	$1.29	2d	1	0.10mi
14327 N Pennsylvania Ave Unit 36G Oklahoma City, OK	2.0	1.0	950	$1,100	$1.16	2d	1	0.14mi
2300 NW 145th St Oklahoma City, OK	1.0–3.0	1.0–2.0	1000	$1,920	$1.92	2d	12	0.22mi
14520 N Pennsylvania Ave Oklahoma City, OK	1.0–3.0	1.0–2.0	1024	$1,320	$1.29	2d	12	0.24mi
1919 NW 142nd St Oklahoma City, OK	2.0	2.0	1100	$1,280	$1.16	24d	1	0.28mi
14201 N Kentucky Ave Oklahoma City, OK	1.0–2.0	1.0–2.0	905	$2,340	$2.59	2d	18	0.31mi
14900 N Pennsylvania Ave Oklahoma City, OK	1.0–3.0	1.0–2.0	1027	$1,362	$1.33	2d	19	0.31mi
14419 Moon Daisy Dr Edmond, OK	3.0	2.0	1112	$1,800	$1.62	2d	1	0.32mi
2400 Watermark Blvd Oklahoma City, OK	2.0	2.0	1267	$1,679	$1.33	21d	1	0.38mi
2400 Watermark Blvd Oklahoma City, OK	1.0	1.0	830	$1,329	$1.60	24d	1	0.38mi
1812 NW 143rd St Edmond, OK	3.0	2.0	1445	$1,697	$1.17	2d	1	0.39mi
1804 NW 143rd St Edmond, OK	3.0	2.0	1260	$1,595	$1.27	24d	1	0.41mi
1804 NW 145th St Edmond, OK	3.0	2.0	1260	$1,500	$1.19	24d	1	0.41mi
14300 N Pennsylvania Ave Oklahoma City, OK	1.0–2.0	1.0–2.0	844	$1,029	$1.22	2d	1	0.42mi
1809 NW 146th St Edmond, OK	3.0	2.0	1202	$1,625	$1.35	4d	1	0.45mi
14320 Mezzaluna Ave Oklahoma City, OK	1.0	1.0	879	$1,329	$1.51	12d	1	0.50mi
14320 Mezzaluna Ave Oklahoma City, OK	1.0	1.0	966	$1,429	$1.48	24d	1	0.50mi
14320 Mezzaluna Ave Oklahoma City, OK	2.0	2.0	1267	$1,619	$1.28	14d	1	0.50mi
1608 NW 145th St Edmond, OK	3.0	2.0	1354	$1,575	$1.16	24d	1	0.51mi
14712 Mezzaluna Blvd Oklahoma City, OK	1.0–2.0	1.0–2.0	898	$1,950	$2.17	24d	25	0.52mi
1716 NW 150th Ter Edmond, OK	3.0	3.0	1472	$1,695	$1.15	24d	1	0.59mi
2600 Watermark Blvd Oklahoma City, OK	1.0–2.0	1.0–2.5	1066	$1,567	$1.47	2d	10	0.61mi
2701 Watermark Blvd Oklahoma City, OK	1.0–3.0	1.0–2.0	1047	$1,480	$1.41	2d	19	0.68mi
15501 N Pennsylvania Ave Edmond, OK	3.0	2.0	1053	$1,699	$1.61	20d	1	0.69mi
15501 N Pennsylvania Ave Edmond, OK	2.0	2.0	958	$1,379	$1.44	14d	1	0.69mi
15501 N Pennsylvania Ave Edmond, OK	3.0	2.0	1053	$1,699	$1.61	24d	1	0.69mi
14300 N May Ave Oklahoma City, OK	1.0–3.0	1.0–2.0	923	$1,255	$1.36	3d	15	0.78mi
2201 NW 155th St Edmond, OK	2.0	2.0	1149	$1,495	$1.30	24d	1	0.81mi
14200 N May Ave Oklahoma City, OK	1.0–3.0	1.0–2.0	1031	$1,302	$1.26	2d	17	0.83mi
13600 N Blackwelder Ave Oklahoma City, OK	3.0	1.0–2.0	850	$1,671	$1.97	2d	27	0.89mi
2609 Featherstone Rd Oklahoma City, OK	1.0–2.0	1.0–2.0	769	$1,150	$1.50	2d	34	0.96mi
2523 NW 132nd Pl Oklahoma City, OK	3.0	2.5	1328	$2,450	$1.84	24d	1	0.98mi
2540 NW 132nd Pl Oklahoma City, OK	3.0	2.5	1385	$2,400	$1.73	24d	1	1.01mi
2533 NW 129th St Oklahoma City, OK	3.0	2.0	1500	$2,200	$1.47	24d	1	1.09mi
2533 NW 129th St Oklahoma City, OK	3.0	2.5	1497	$2,200	$1.47	4d	1	1.09mi
12831 Stratford Dr Oklahoma City, OK	1.0–3.0	1.0–2.0	1122	$2,295	$2.05	2d	22	1.10mi
12701 N Pennsylvania Ave Oklahoma City, OK	3.0	1.0–2.0	912	$1,358	$1.49	2d	15	1.11mi
2610 Crescent Ave Oklahoma City, OK	3.0	2.5	1387	$2,125	$1.53	21d	1	1.16mi

HOA detail condo

• Monthly dues: $122 · $1,464/yr
• Likely covers: watertrashcablepoolsecurity
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 11 events

1. 2026-06-07
   statusdays on market $144,999 Pending 15 DOM
2. 2026-06-03
   days on market $144,999 Active 14 DOM
3. 2026-06-02
   days on market $144,999 Active 13 DOM
4. 2026-06-01
   days on market $144,999 Active 12 DOM
5. 2026-05-31
   days on market $144,999 Active 11 DOM
6. 2026-05-20
   listed $144,999 Active
7. 2018-01-05
   soldstatus $88,000
8. 2017-12-29
   soldstatus $88,000 Sold 391-char remark

   Show marketing remark (391 chars)

   Beautifully remodeled 2 bed 2.1 bath 2 story condo just steps from the swimming pool. One of the largest units with large laundry room and half bath off the completely remodeled kitchen. Granite countertops, wood floors. Master bedroom has whirlpool tub, walk in closet and private balcony. HOA covers basic cable, water, trash, gated entry, greenbelt areas and recreational areas (pool).

9. 2017-12-12
   status Pending 391-char remark

   Show marketing remark (391 chars)

   Beautifully remodeled 2 bed 2.1 bath 2 story condo just steps from the swimming pool. One of the largest units with large laundry room and half bath off the completely remodeled kitchen. Granite countertops, wood floors. Master bedroom has whirlpool tub, walk in closet and private balcony. HOA covers basic cable, water, trash, gated entry, greenbelt areas and recreational areas (pool).

10. 2017-10-12
    listed $88,000 Active 391-char remark

    Show marketing remark (391 chars)

    Beautifully remodeled 2 bed 2.1 bath 2 story condo just steps from the swimming pool. One of the largest units with large laundry room and half bath off the completely remodeled kitchen. Granite countertops, wood floors. Master bedroom has whirlpool tub, walk in closet and private balcony. HOA covers basic cable, water, trash, gated entry, greenbelt areas and recreational areas (pool).

11. 1983-07-01
    soldstatus $61,500

ⓘ 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: $1,478 · $123/mo
• Projected year-2 tax: $1,478 · $123/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: $17,794
• − Mortgage interest: −$8,122
• − Property taxes: −$1,478
• − Insurance: −$725
• − Repairs & maintenance: −$1,424
• − Management: −$1,424
• − HOA: −$1,464
• − Depreciation: −$4,218
• Taxable loss: −$1,060
• Est. tax savings @ 24.0%: +$254
• After-tax cash flow: $1,520/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

+135.8% since first listed

6 events — show timeline

• 2026-05-20 Listed $144,999 MLSOK
• 2018-01-05 Sold (Public Records) $88,000 Public Records
• 2017-12-29 Sold (MLS) $88,000 MLSOK
• 2017-12-12 Pending — MLSOK
• 2017-10-12 Listed $88,000 MLSOK
• 1983-07-01 Sold (Public Records) $61,500 Public Records

Property tax history

+3.6%/yr

Latest (2025): $1,478 · +5.3% YoY. Source: county tax records.