3432 Woodland Rd · Bartlesville, OK 74006

$110,000

3 bd · 1.5 ba · 1,454 sqft · SingleFamily public records · 10 Days on market

Built 1955 0.35 ac lot Est $161k · 32% 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 +28.4/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +7.3/10.0
• Livability +3.2/5.0
• Schools +2.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Great well-maintained home! Living room and dining w/ beautiful oak hardwood floors, w/ fp; sunroom; updated kitchen; lots of storage and updates. Newer: Trane h/a, gas range, water heater, faucets. Priced to sell and move in ready - don't miss!

Key facts

• Lots of storage
• Sunroom
• Oak hardwood floors

Tags

• OAK HARDWOOD FLOORS
• SUNROOM
• LOTS OF STORAGE

Property features AI

Finance

• HOA & community: Neighborhood gutters and sidewalks

Exterior

• Parking: Attached 2-car garage with shelving and storage
• Security: Smoke detectors; No safety shelter
• Utilities: Electricity available; Natural gas available; Public water; Public sewer
• Home design: Single-story home; Southeast-facing; Slab foundation
• Construction: Brick and wood frame construction; Asphalt/fiberglass roof; Built per public records
• Exterior features: Patio; Rain gutters; Partial privacy fencing; Shed(s); Corner lot with mature trees

Interior

• Kitchen: Dishwasher; Disposal; Oven/Range/Stove; Plumbed for ice maker
• Bedrooms: Master bedroom with private bath (first level); Two additional bedrooms (first level)
• Flooring: Hardwood; Carpet; Tile
• Bathrooms: One full hall bath (first level); Master bath with half bath configuration (first level)
• Heating & cooling: Central heating (gas); Central air conditioning
• Interior features: Ceiling fans; Ceramic countertops; Gas range/oven connections; Storm doors; Wood frame and storm windows
• Laundry & utility: Washer hookup; Electric dryer hookup; Separate inside utility room (first level)

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $110k.

Deal economics

• At list price, monthly cash flow is $357 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $110k).
• Cap rate 10.2% vs local median 4.7% in Bartlesville — 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 64/100 on livability (#175 in OK) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment C-, schools D+, crime D+.
• Bartlesville (town): math 30% / reading 29% proficiency, ranked #59 of 270 in OK (top 22%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 231 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 46 units permitted in Washington County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $761 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Washington County population projected at +12% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $31k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• Only 10 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 15y 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

• Watch-outs: built in 1955 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate wildfire risk; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $110,000

Questions for the listing agent

1. Built in 1955 — 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 D 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: 1.23% ✓
• Cap rate: 10.18%
• Cash-on-cash: 13.90%
• DSCR: 1.62
• GRM: 6.8

CMA / ARV

• ARV (on-the-fly): $161,394
• Comps found: 8

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1320 Hillsdale Dr	0.15mi	3/2.0	1,511 (+4%)	11mo	$165,000	$109	75
945 Kenwood Rd	0.26mi	3/2.0	1,602 (+10%)	4mo	$180,000	$112	66
721 Winding Way	0.34mi	3/2.0	1,555 (+7%)	6mo	$172,000	$111	65
1401 SE Greystone Ave E	0.62mi	3/1.5	1,426 (-2%)	6mo	$142,500	$100	63
3717 Redbud Ln	0.48mi	3/2.0	1,507 (+4%)	22mo	$160,000	$106	51
1433 Swan Dr	0.50mi	2/2.0 (-1)	1,615 (+11%)	4mo	$200,000	$124	48
1122 Greystone Ave	0.60mi	3/2.0	1,612 (+11%)	11mo	$188,530	$117	42
1625 Sheridan Rd	0.68mi	3/2.0	1,343 (-8%)	17mo	$127,700	$95	39

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 4.1%
• Equity multiple: 1.16×
• Total profit: $4,890
• Equity at exit: $16,401

10-year hold

• IRR: 13.6%
• Equity multiple: 2.09×
• Total profit: $33,485
• Equity at exit: $9,511

Cash invested: $30,800 (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 74006

• Home prices YoY: -33.2%
• Active inventory: 231
• Price-to-rent: 6.8×

Monthly cashflow live

• Estimated rent: $1,356 medium
• Mortgage (P&I): −$577
• Tax from tax record: −$92 /mo · $1,098/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$285
• Net cashflow: $357

Break-even live

Break-even rent $904

Max offer price $110,000

Occupancy floor 69%

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: $27,500
• Closing costs: $3,300
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4715 SE Adams Blvd Unit 905D Bartlesville, OK	2.0	2.0	953	$900	$0.94	11d	1	0.98mi
4007 Morgan Ave Bartlesville, OK	2.0	1.0	1232	$1,295	$1.05	21d	1	1.24mi
5530 Colony Way Bartlesville, OK	1.0–2.0	1.0–2.5	1176	$1,399	$1.19	23d	4	1.50mi

Listing history 10 events

1. 2026-05-13
   status Pending
2. 2026-05-08
   status Active
3. 2026-04-21
   status Pending
4. 2026-04-16
   listed $110,000 Active
5. 2013-01-28
   soldstatus $98,000
6. 2013-01-25
   soldstatus $98,000 245-char remark

   Show marketing remark (245 chars)

   Great well-maintained home! Living room and dining w/ beautiful oak hardwood floors, w/ fp; sunroom; updated kitchen; lots of storage and updates. Newer: Trane h/a, gas range, water heater, faucets. Priced to sell and move in ready - don't miss!

7. 2012-12-05
   historical 245-char remark

   Show marketing remark (245 chars)

   Great well-maintained home! Living room and dining w/ beautiful oak hardwood floors, w/ fp; sunroom; updated kitchen; lots of storage and updates. Newer: Trane h/a, gas range, water heater, faucets. Priced to sell and move in ready - don't miss!

8. 2012-11-29
   listed $95,000 245-char remark

   Show marketing remark (245 chars)

   Great well-maintained home! Living room and dining w/ beautiful oak hardwood floors, w/ fp; sunroom; updated kitchen; lots of storage and updates. Newer: Trane h/a, gas range, water heater, faucets. Priced to sell and move in ready - don't miss!

9. 2012-01-16
   historical
10. 2011-07-15
    listed $110,000

ⓘ 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: $1,098 · $92/mo
• Projected year-2 tax: $1,098 · $92/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 5/10 Major
• 🌡 Heat 6/10 Major 7 d/yr ≥113°F today · 17 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 4% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,268
• − Mortgage interest: −$6,162
• − Property taxes: −$1,098
• − Insurance: −$550
• − Repairs & maintenance: −$1,301
• − Management: −$1,301
• − Depreciation: −$3,200
• Taxable income: $2,655
• Est. tax owed @ 24.0%: −$637
• After-tax cash flow: $3,644/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: Bartlesville
• NCES district ID: 4003630
• Math proficiency: 30% ▼ -13.00%
• Reading proficiency: 29% ▼ -10.00%
• Median HH income: $48,889
• Composite: 25.69/100
• National rank: #7389
• State rank: #59 of 270 in OK

Livability — Bartlesville

• Score: 64/100
• State rank: #175
• US rank: #13940

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bartlesville, OK
• County: Washington County · 41,935 people
• City population: 41,935
• Metro: Bartlesville, OK
• Population (ZIP): 27,911
• Household income: $71,796
• Rent vs Own: 24.2% rent · 75.8% own
• Severe rent burden: 563.0

Population outlook (Washington County) Hauer SSP2

• Today (2025): 54,946 people
• By 2030: 56,249 · +2.4%
• By 2040: 58,867 · +7.1%
• By 2050: 61,600 · +12.1%
• By 2075: 69,355 · +26.2%
• By 2100: 73,067 · +33.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (74%)
• Race & ethnicity: White 74% Two or more races 9% Native American 7% Hispanic / Latino 6% Asian 3% Black 3%
• Hispanic origin (detail): Mexican 5%
• Common ancestry: Lithuanian 3% Slovak 2% Serbian 2%
• Foreign-born: 5% · Canada, China, Vietnam
• Languages at home: 93% English-only · Spanish 4% Vietnamese 1% Chinese 1%

Political lean MEDSL · Washington

• 2024 margin: Solid R (+47.6) · D 25.0% · R 72.7% · Other 2.4%
• 2008→2024 swing: -3.1pp toward R · 2008: -44.6pp · 2024: -47.6pp
• All cycles: 2024: R+47.6 2020: R+48.0 2016: R+48.5 2012: R+47.8 2008: R+44.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -118.35%
• Current HPI: 237.9056
• Rent YoY: —
• Metro: Bartlesville, 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

+0.0% since first listed

10 events — show timeline

• 2026-05-13 Pending — MLS Technology, Inc.
• 2026-05-08 Relisted — MLS Technology, Inc.
• 2026-04-21 Pending — MLS Technology, Inc.
• 2026-04-16 Listed $110,000 MLS Technology, Inc.
• 2013-01-28 Sold (Public Records) $98,000 Public Records
• 2013-01-25 Sold (MLS) $98,000 MLS Technology, Inc.
• 2012-12-05 Listing Removed — MLS Technology, Inc.
• 2012-11-29 Listed $95,000 MLS Technology, Inc.
• 2012-01-16 Listing Removed — MLS Technology, Inc.
• 2011-07-15 Listed $110,000 MLS Technology, Inc.

Property tax history

-2.0%/yr

Latest (2025): $1,098 · -28.8% YoY. Source: county tax records.