143 Columbus Ave · Pawhuska, OK 74056

$82,950

3 bd · 1.0 ba · 1,200 sqft · SingleFamily public records · 128 Days on market

Built 1970 0.44 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
• DSCR +10.0/10.0
• 1% rule +7.9/10.0
• Appreciation +7.8/10.0
• ARV discount +7.5/15.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +0.9/10.0

Listing remarks

New Roof! Move in Ready near everything Pawhuska has to offer! This 3-bedroom, 1-bath home is move-in ready, with plenty of room for updates to make it your own. Whether you’re a first-time buyer, investor, or someone looking for a home with character and potential, this property checks all the right boxes. Enjoy relaxing on the covered front porch, and take advantage of the extra-large, chain-link fenced backyard—perfect for pets, gardening, or outdoor gatherings. The home also features an oversized two-car garage, providing ample space for vehicles, storage, or a workshop. Additional highlights include central heat and air and a storm shelter for added peace of mind. Conven

Key facts

• 0.44 acre lot
• 2 garage spots
• Built 1970

Property features AI

Exterior

• Parking: Attached 2-car garage
• Security: Storm shelter
• Utilities: Public water; Public sewer; Electricity available; Natural gas available; Cable available; Phone available
• Home design: Single-story; Faces east; Crawlspace foundation
• Construction: HardiPlank and wood frame construction; Asphalt/fiberglass roof
• Exterior features: Covered porch; Concrete driveway; Chain link fencing; Storm shelter; Mature trees on lot

Interior

• Kitchen: Dishwasher; Disposal; Oven/Range/Stove; Gas water heater
• Flooring: Hardwood; Vinyl
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating (gas); Central air conditioning
• Interior features: Butcher block and laminate counters; Ceiling fan(s); Aluminum window frames; Gas range connection
• Laundry & utility: Washer hookup; Electric dryer hookup; Gas dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $83k.

Deal economics

• At list price, monthly cash flow is $318 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $83k).
• Recommended offer: $73k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 70/100 on livability (#37 in OK) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime D+, amenities F, commute F.
• Pawhuska (town): math 9% / reading 13% proficiency, ranked #248 of 270 in OK (top 92%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 61% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Indian Camp Es (172 students, 0% FRL); Pawhuska Ms (math 2% / reading 12%, grade F, #311 of 345 statewide, top 92%, 152 students, 0% FRL); Pawhuska Hs (math 5% / reading 15%, grade F, #361 of 447 statewide, top 94%, 219 students, 0% FRL) — zoned schools average 0% FRL vs 61% district-wide (61 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: 33 active listings in the ZIP; 89 units permitted in Osage County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $5k of equity ($574 loan paydown + $5k appreciation (5.7% local appreciation)).
• Osage County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (5.7% appreciation + 3.0% rent growth), your $23k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 7, paydown + projected appreciation supports a ~$35k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 128 days — a 12% lower offer ($73k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $30k; list at $83k implies a 181% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wildfire risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $72,996 (12.0% below list)

Questions for the listing agent

1. It's been on market 128 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1970 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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 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?
7. 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.
8. 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.
9. 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: 1.29% ✓
• Cap rate: 10.89%
• Cash-on-cash: 16.42%
• DSCR: 1.73
• GRM: 6.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

5.7% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 28.5%
• Equity multiple: 2.84×
• Total profit: $42,710
• Equity at exit: $50,578

10-year hold

• IRR: 26.8%
• Equity multiple: 5.74×
• Total profit: $110,166
• Equity at exit: $90,397

Cash invested: $23,226 (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 74056

• Home prices YoY: 2.0%
• Active inventory: 33
• Price-to-rent: 6.5×

Monthly cashflow live

• Estimated rent: $1,069 medium
• Mortgage (P&I): −$435
• Tax from tax record: −$57 /mo · $680/yr
• Insurance: −$35
• HOA: −$0
• Vacancy / Maint / Mgmt: −$224
• Net cashflow: $318

Break-even live

Break-even rent $666

Max offer price $82,950

Occupancy floor 65%

Sensitivity live

Price	-10% $365	-5% $341	+0% $318	+5% $294	+10% $271
Rent	-10% $233	-5% $276	+0% $318	+5% $360	+10% $402
Rate	-1.0pp $360	-0.5pp $339	base $318	+0.5pp $296	+1.0pp $275

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: $20,738
• Closing costs: $2,488
• Reserves months: —
• Total cash needed: —

Listing history 21 events

1. 2026-06-16
   status $82,950 Pending 128 DOM
2. 2026-06-15
   days on market $82,950 Active 128 DOM
3. 2026-06-14
   days on market $82,950 Active 126 DOM
4. 2026-06-12
   days on market $82,950 Active 125 DOM
5. 2026-06-09
   days on market $82,950 Active 122 DOM
6. 2026-06-08
   days on market $82,950 Active 121 DOM
7. 2026-06-07
   days on market $82,950 Active 120 DOM
8. 2026-06-05
   days on market $82,950 Active 117 DOM
9. 2026-06-03
   days on market $82,950 Active 116 DOM
10. 2026-06-02
    days on market $82,950 Active 115 DOM
11. 2026-06-01
    days on market $82,950 Active 114 DOM
12. 2026-05-31
    days on market $82,950 Active 113 DOM
13. 2026-05-30
    days on market $82,950 Active 112 DOM
14. 2026-05-22
    status Pending
15. 2026-03-17
    price $82,950
16. 2026-01-31
    listed $90,000 Active
17. 2004-06-29
    soldstatus $29,500
18. 2002-01-17
    soldstatus $24,000
19. 1998-09-10
    soldstatus $21,500
20. 1995-10-29
    soldstatus $14,000
21. 1995-10-29
    soldstatus $30,000

ⓘ 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: $680 · $57/mo
• Projected year-2 tax: $747 · $62/mo
• Expected delta: +$67/yr (+$6/mo · 9.8%)

ⓘ 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 10/10 Extreme
• 🌡 Heat 5/10 Major 7 d/yr ≥111°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 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,822
• − Mortgage interest: −$4,646
• − Property taxes: −$680
• − Insurance: −$415
• − Repairs & maintenance: −$1,026
• − Management: −$1,026
• − Depreciation: −$2,413
• Taxable income: $2,616
• Est. tax owed @ 24.0%: −$628
• After-tax cash flow: $3,187/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: Pawhuska
• NCES district ID: 4023580
• Math proficiency: 9% ▼ -6.00%
• Reading proficiency: 13% ▼ -8.00%
• Median HH income: $34,773
• Composite: 8.98/100
• National rank: #9883
• State rank: #248 of 270 in OK

Livability — Pawhuska

• Score: 70/100
• State rank: #37
• US rank: #7514

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pawhuska, OK
• Population (ZIP): 4,874

Population outlook (Osage County) Hauer SSP2

• Today (2025): 48,950 people
• By 2030: 48,936 · +-0.0%
• By 2040: 47,826 · -2.3%
• By 2050: 45,781 · -6.5%
• By 2075: 41,140 · -16.0%
• By 2100: 32,796 · -33.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.64)
• Race & ethnicity: White 59% Native American 27% Two or more races 11% Hispanic / Latino 4%
• Common ancestry: Italian 3% Lithuanian 2% Iranian 2%
• Foreign-born: 1% · Canada, Vietnam
• Languages at home: 95% English-only · Spanish 3%

Political lean MEDSL · Osage

• 2024 margin: Solid R (+41.4) · D 28.4% · R 69.8% · Other 1.7%
• 2008→2024 swing: -17.7pp toward R · 2008: -23.7pp · 2024: -41.4pp
• All cycles: 2024: R+41.4 2020: R+39.5 2016: R+36.8 2012: R+25.2 2008: R+23.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 5.70%
• Current HPI: 296.6482
• 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

+492.5% since first listed

8 events — show timeline

• 2026-05-22 Pending — MLS Technology, Inc.
• 2026-03-17 Price Changed $82,950 MLS Technology, Inc.
• 2026-01-31 Listed $90,000 MLS Technology, Inc.
• 2004-06-29 Sold (Public Records) $29,500 Public Records
• 2002-01-17 Sold (Public Records) $24,000 Public Records
• 1998-09-10 Sold (Public Records) $21,500 Public Records
• 1995-10-29 Sold (Public Records) $30,000 Public Records
• 1995-10-29 Sold (Public Records) $14,000 Public Records

Property tax history

+4.5%/yr

Latest (2025): $680 · +5.1% YoY. Source: county tax records.