103 E Commercial St · Webbers Falls, OK 74470

$50,000

1 bd · 2.0 ba · 1,116 sqft · SingleFamily public records · 4 Days on market

Built 1940 0.33 ac lot

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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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Appreciation +7.5/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0

Listing remarks

Great investment property to be sold with 4 other properties as a group MLS#2621937, MLS#2621941, MLS# 2621943, MLS#. Close to school.

Key facts

• 0.33 acre lot
• Garage
• Built 1940

Property features AI

Exterior

• Parking: 1-car garage; Carport
• Security: No safety shelter
• Utilities: Electricity available; Natural gas available; Public water; Public sewer
• Home design: Single-story; Faces north; Crawlspace foundation; Property type: single family (detached)
• Construction: Metal roof; Wood frame construction; Asbestos siding/material (noted in records); Built per public records
• Exterior features: Covered porch; Gravel driveway; Shed(s); Corner lot; Mature trees; Boat ramp/lift access to Arkansas River

Interior

• Kitchen: Oven; Range; Stove; Refrigerator
• Flooring: Concrete; Hardwood; Laminate
• Bathrooms: 1 full bathroom
• Heating & cooling: Gas heating; Radiant heating; Window cooling units
• Interior features: Wood window frames; Accessible doors; Laminate counters; Cable TV ready; Ceiling fan(s); Gas range/oven connection
• Laundry & utility: Washer; Dryer; Washer hookup; Electric dryer hookup; Electric water heater

What this means for you Summary

Snapshot

• This is a 1-bed/2.0-bath single-family listed at $50k.

Deal economics

• At list price, monthly cash flow is $441 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($944 rent vs $50k).

Location & tenants

• Location reads 62/100 on livability (#269 in OK) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A-; Watch: health & safety C-, schools F, amenities F.
• Webbers Falls (rural): math 15% / reading 20% proficiency, ranked #444 of 513 in OK (top 86%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 74% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 19 active listings in the ZIP; 58 units permitted in Muskogee County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $3k of equity ($346 loan paydown + $3k appreciation (5.1% local appreciation)).
• Muskogee County population projected at -15% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (5.1% appreciation + 3.0% rent growth), your $14k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $12k; list at $50k implies a 300% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1940 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $50,000

Questions for the listing agent

1. Built in 1940 — 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 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?
4. 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.
5. 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.
6. 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: 1.89% ✓
• Cap rate: 16.87%
• Cash-on-cash: 37.78%
• DSCR: 2.68
• GRM: 4.4

CMA / ARV

No comps found within radius.

Projected returns pro-forma

5.07% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 46.4%
• Equity multiple: 3.84×
• Total profit: $39,776
• Equity at exit: $28,537

10-year hold

• IRR: 44.2%
• Equity multiple: 7.85×
• Total profit: $95,873
• Equity at exit: $49,419

Cash invested: $14,000 (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 74470

• Home prices YoY: 1.8%
• Active inventory: 19
• Price-to-rent: 4.4×

Monthly cashflow live

• Estimated rent: $944 medium
• Mortgage (P&I): −$262
• Tax from tax record: −$22 /mo · $261/yr
• Insurance: −$21
• HOA: −$0
• Vacancy / Maint / Mgmt: −$198
• Net cashflow: $441

Break-even live

Break-even rent $386

Max offer price $50,000

Occupancy floor 48%

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: $12,500
• Closing costs: $1,500
• Reserves months: —
• Total cash needed: —

Listing history 5 events

1. 2026-06-19
   days on market $50,000 Active 4 DOM
2. 2026-06-18
   days on market $50,000 Active 3 DOM
3. 2026-06-17
   days on market $50,000 Active 2 DOM
4. 2026-06-16
   remarks 136-char remark
5. 2026-06-16
   listed $50,000 Active 1 DOM

ⓘ 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: $261 · $22/mo
• Projected year-2 tax: $450 · $37/mo
• Expected delta: +$189/yr (+$16/mo · 72.4%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Taxation est. · year 1

• Rental income: $11,325
• − Mortgage interest: −$2,801
• − Property taxes: −$261
• − Insurance: −$250
• − Repairs & maintenance: −$906
• − Management: −$906
• − Depreciation: −$1,455
• Taxable income: $4,746
• Est. tax owed @ 24.0%: −$1,139
• After-tax cash flow: $4,150/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: Webbers Falls
• NCES district ID: 4032130
• Math proficiency: 15% ▲ 5.00%
• Reading proficiency: 20% ▬ 0.00%
• Median HH income: $37,908
• Composite: 18.02/100
• National rank: #14093
• State rank: #444 of 513 in OK

Livability — Webbers Falls

• Score: 62/100
• State rank: #269
• US rank: #17101

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Webbers Falls, OK
• Population (ZIP): 1,362

Population outlook (Muskogee County) Hauer SSP2

• Today (2025): 66,842 people
• By 2030: 64,969 · -2.8%
• By 2040: 60,920 · -8.9%
• By 2050: 56,978 · -14.8%
• By 2075: 47,160 · -29.4%
• By 2100: 35,336 · -47.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.62)
• Race & ethnicity: White 61% Two or more races 20% Native American 17% Asian 1%
• Common ancestry: Italian 5% Slovak 1% Serbian 1%
• Foreign-born: 1% · China, Vietnam
• Languages at home: 98% English-only · Spanish 1% Chinese 1%

Political lean MEDSL · Muskogee

• 2024 margin: Solid R (+37.6) · D 30.4% · R 68.0% · Other 1.7%
• 2008→2024 swing: -22.6pp toward R · 2008: -15.0pp · 2024: -37.6pp
• All cycles: 2024: R+37.6 2020: R+33.9 2016: R+29.2 2012: R+14.8 2008: R+15.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 5.07%
• Current HPI: 283.3825
• Rent YoY: —
• Metro: —
• 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

+300.0% since first listed

2 events — show timeline

• 2026-06-15 Listed $50,000 MLS Technology, Inc.
• 2002-10-01 Sold (Public Records) $12,500 Public Records

Property tax history

+2.4%/yr

Latest (2025): $261 · +5.2% YoY. Source: county tax records.