14317 N Pennsylvania Ave Unit 14G · Oklahoma City, OK 73134

$125,000

2 bd · 2.0 ba · 1,064 sqft · Condo public records · 75 Days on market

Built 1982 $214/mo HOA · 15% 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 +18.4/30.0
• ARV discount +7.5/15.0
• 1% rule +6.8/10.0
• Appreciation +6.4/10.0
• DSCR +5.8/10.0
• 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

This 2 bed 2 bath completely REMODELED condo is sure to impress! Living room and dining has wood floors, a wood burning fireplace, and is open to the kitchen. Kitchen features granite countertops, updated cabinetry and under mount sink. Bedrooms are updated with walk in closets and master features full bath with shower. Community is gated, with pool and clubhouse, and covered parking! Location is prime near mall shopping, dining and entertainment.

Key facts

• $214 HOA
• Pool
• Built 1982

Property features AI

Finance

• Other: Occupied by owner; Living area reported as 1,064 (assessor)
• Financial info: Accepts cash, conventional, and FHA/VA offers
• HOA & community: Mandatory association dues; Association fee includes greenbelt, exterior maintenance, and partial utilities

Exterior

• Parking: Other parking
• Home design: Residential condominium; One-level unit; Existing property
• Construction: Brick and frame construction; Composition roof (roof year 2025); Slab foundation
• Exterior features: Porch; Wood fence; Private outdoor pool; Interior lot

Interior

• Kitchen: Built-in electric range; Built-in electric oven
• Bedrooms: 2 bedrooms
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating
• Interior features: One living area; One dining area; Wood-burning fireplace

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath condo listed at $125k.

Deal economics

• At list price, monthly cash flow is $118 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $125k).
• Recommended offer: $118k (6.0% below list) — sets the bar for market timing.
• Cap rate 7.4% 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: Scissortail Elementary School (331 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 $4k of equity ($864 loan paydown + $3k 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 $35k cash investment doubles in ~5 years — after that, you're playing with house money.
• By year 8, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 75 days — a 6% lower offer ($118k) is reasonable based on typical stale-listing flexibility.
• 3 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.
• Current owner paid $90k; 39% above their basis — modest negotiation headroom, anchor on the comps not their cost.

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 $117,500 (6.0% below list)

Questions for the listing agent

1. It's been on market 75 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. 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?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 1.18% ✓
• Cap rate: 7.42%
• Cash-on-cash: 4.03%
• DSCR: 1.18
• GRM: 7.1

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: 12.1%
• Equity multiple: 1.69×
• Total profit: $24,140
• Equity at exit: $54,200

10-year hold

• IRR: 15.7%
• Equity multiple: 3.38×
• Total profit: $83,376
• Equity at exit: $82,001

Cash invested: $35,000 (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 73134

• Home prices YoY: 1.2%
• Rents YoY: 5.2%
• Active inventory: 42
• Price-to-rent: 7.1×

Monthly cashflow live

• Estimated rent: $1,471 high
• Mortgage (P&I): −$656
• Tax from tax record: −$123 /mo · $1,478/yr
• Insurance: −$52
• HOA: −$214
• Vacancy / Maint / Mgmt: −$309
• Net cashflow: $118

Break-even live

Break-even rent $1,322

Max offer price $125,000

Occupancy floor 87%

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: $31,250
• Closing costs: $3,750
• 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	23d	1	0.05mi
14327 N Pennsylvania Ave Unit 36G Oklahoma City, OK	2.0	1.0	950	$1,100	$1.16	2d	1	0.10mi
14433 N Pennsylvania Ave Unit 27A Oklahoma City, OK	3.0	2.0	1360	$1,750	$1.29	2d	1	0.13mi
14443 N Pennsylvania Ave Oklahoma City, OK	1.0	1.0	768	$900	$1.17	23d	1	0.14mi
2300 NW 145th St Oklahoma City, OK	1.0–3.0	1.0–2.0	1000	$1,920	$1.92	1d	12	0.21mi
1919 NW 142nd St Oklahoma City, OK	2.0	2.0	1100	$1,280	$1.16	23d	1	0.26mi
14520 N Pennsylvania Ave Oklahoma City, OK	1.0–3.0	1.0–2.0	1024	$1,320	$1.29	2d	12	0.27mi
14201 N Kentucky Ave Oklahoma City, OK	1.0–2.0	1.0–2.0	905	$2,340	$2.59	2d	18	0.27mi
14419 Moon Daisy Dr Edmond, OK	3.0	2.0	1112	$1,800	$1.62	2d	1	0.33mi
14900 N Pennsylvania Ave Oklahoma City, OK	1.0–3.0	1.0–2.0	1027	$1,362	$1.33	2d	19	0.37mi
1812 NW 143rd St Edmond, OK	3.0	2.0	1445	$1,697	$1.17	2d	1	0.39mi
14300 N Pennsylvania Ave Oklahoma City, OK	1.0–2.0	1.0–2.0	844	$1,029	$1.22	2d	1	0.39mi
2400 Watermark Blvd Oklahoma City, OK	2.0	2.0	1267	$1,679	$1.33	21d	1	0.40mi
2400 Watermark Blvd Oklahoma City, OK	1.0	1.0	830	$1,329	$1.60	23d	1	0.40mi
1804 NW 143rd St Edmond, OK	3.0	2.0	1260	$1,595	$1.27	23d	1	0.41mi
1804 NW 145th St Edmond, OK	3.0	2.0	1260	$1,500	$1.19	23d	1	0.43mi
1809 NW 146th St Edmond, OK	3.0	2.0	1202	$1,625	$1.35	4d	1	0.49mi
14320 Mezzaluna Ave Oklahoma City, OK	1.0	1.0	966	$1,429	$1.48	23d	1	0.50mi
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	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	23d	1	0.53mi
14712 Mezzaluna Blvd Oklahoma City, OK	1.0–2.0	1.0–2.0	898	$1,950	$2.17	23d	25	0.55mi
2600 Watermark Blvd Oklahoma City, OK	1.0–2.0	1.0–2.5	1066	$1,567	$1.47	2d	10	0.62mi
1716 NW 150th Ter Edmond, OK	3.0	3.0	1472	$1,695	$1.15	23d	1	0.64mi
2701 Watermark Blvd Oklahoma City, OK	1.0–3.0	1.0–2.0	1047	$1,480	$1.41	2d	19	0.71mi
15501 N Pennsylvania Ave Edmond, OK	2.0	2.0	958	$1,379	$1.44	14d	1	0.76mi
15501 N Pennsylvania Ave Edmond, OK	3.0	2.0	1053	$1,699	$1.61	23d	1	0.76mi
15501 N Pennsylvania Ave Edmond, OK	3.0	2.0	1053	$1,699	$1.61	20d	1	0.76mi
14300 N May Ave Oklahoma City, OK	1.0–3.0	1.0–2.0	923	$1,255	$1.36	3d	15	0.78mi
14200 N May Ave Oklahoma City, OK	1.0–3.0	1.0–2.0	1031	$1,302	$1.26	2d	17	0.82mi
13600 N Blackwelder Ave Oklahoma City, OK	3.0	1.0–2.0	850	$1,671	$1.97	2d	27	0.83mi
2201 NW 155th St Edmond, OK	2.0	2.0	1149	$1,495	$1.30	23d	1	0.88mi
2609 Featherstone Rd Oklahoma City, OK	1.0–2.0	1.0–2.0	769	$1,150	$1.50	2d	34	0.90mi
2523 NW 132nd Pl Oklahoma City, OK	3.0	2.5	1328	$2,450	$1.84	23d	1	0.92mi
2540 NW 132nd Pl Oklahoma City, OK	3.0	2.5	1385	$2,400	$1.73	23d	1	0.95mi
2533 NW 129th St Oklahoma City, OK	3.0	2.0	1500	$2,200	$1.47	23d	1	1.03mi
2533 NW 129th St Oklahoma City, OK	3.0	2.5	1497	$2,200	$1.47	4d	1	1.03mi
12831 Stratford Dr Oklahoma City, OK	1.0–3.0	1.0–2.0	1122	$2,295	$2.05	1d	22	1.03mi
12701 N Pennsylvania Ave Oklahoma City, OK	3.0	1.0–2.0	912	$1,358	$1.49	1d	15	1.04mi
2610 Crescent Ave Oklahoma City, OK	3.0	2.5	1387	$2,125	$1.53	21d	1	1.10mi

HOA detail condo

• Monthly dues: $214 · $2,568/yr
• Likely covers: poolsecurity
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 20 events

1. 2026-06-10
   status $125,000 Pending 75 DOM
2. 2026-06-09
   days on market $125,000 Active 75 DOM
3. 2026-06-08
   days on market $125,000 Active 74 DOM
4. 2026-06-07
   days on market $125,000 Active 73 DOM
5. 2026-06-03
   days on market $125,000 Active 69 DOM
6. 2026-06-02
   days on market $125,000 Active 68 DOM
7. 2026-06-01
   days on market $125,000 Active 67 DOM
8. 2026-05-31
   days on market $125,000 Active 66 DOM
9. 2026-03-26
   listed $130,000 Active
10. 2019-05-02
    soldstatus $90,000
11. 2019-04-30
    soldstatus $90,000 Sold 451-char remark

    Show marketing remark (451 chars)

    This 2 bed 2 bath completely REMODELED condo is sure to impress! Living room and dining has wood floors, a wood burning fireplace, and is open to the kitchen. Kitchen features granite countertops, updated cabinetry and under mount sink. Bedrooms are updated with walk in closets and master features full bath with shower. Community is gated, with pool and clubhouse, and covered parking! Location is prime near mall shopping, dining and entertainment.

12. 2019-04-15
    status Pending 451-char remark

    Show marketing remark (451 chars)

    This 2 bed 2 bath completely REMODELED condo is sure to impress! Living room and dining has wood floors, a wood burning fireplace, and is open to the kitchen. Kitchen features granite countertops, updated cabinetry and under mount sink. Bedrooms are updated with walk in closets and master features full bath with shower. Community is gated, with pool and clubhouse, and covered parking! Location is prime near mall shopping, dining and entertainment.

13. 2019-04-03
    listed $89,900 Active 451-char remark

    Show marketing remark (451 chars)

    This 2 bed 2 bath completely REMODELED condo is sure to impress! Living room and dining has wood floors, a wood burning fireplace, and is open to the kitchen. Kitchen features granite countertops, updated cabinetry and under mount sink. Bedrooms are updated with walk in closets and master features full bath with shower. Community is gated, with pool and clubhouse, and covered parking! Location is prime near mall shopping, dining and entertainment.

14. 2011-05-06
    soldstatus $67,500
15. 2011-05-04
    soldstatus $67,500 237-char remark

    Show marketing remark (237 chars)

    FLAT WITH ALL ROOMS DOWNSTAIRS. UPDATED IN WONDERFUL GATED COMMUNITY IN GREAT LOCATION! RESERVED COVERED PARKING. DUES INCLUDE WATER, GARBABE, SEWER AND BASIC CABLE, POOLS & CLUB HOUSE. HURRY, WON'T LAST! CALL FOR GATE CODE AND APPT.

16. 2011-02-25
    listed $75,000 237-char remark

    Show marketing remark (237 chars)

    FLAT WITH ALL ROOMS DOWNSTAIRS. UPDATED IN WONDERFUL GATED COMMUNITY IN GREAT LOCATION! RESERVED COVERED PARKING. DUES INCLUDE WATER, GARBABE, SEWER AND BASIC CABLE, POOLS & CLUB HOUSE. HURRY, WON'T LAST! CALL FOR GATE CODE AND APPT.

17. 2003-06-18
    soldstatus $57,000
18. 2001-02-23
    soldstatus $40,000
19. 1993-09-07
    soldstatus $30,500
20. 1993-03-09
    soldstatus $30,500

ⓘ 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: $17,656
• − Mortgage interest: −$7,002
• − Property taxes: −$1,478
• − Insurance: −$625
• − Repairs & maintenance: −$1,412
• − Management: −$1,412
• − HOA: −$2,568
• − Depreciation: −$3,636
• Taxable loss: −$478
• Est. tax savings @ 24.0%: +$115
• After-tax cash flow: $1,526/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

+326.2% since first listed

12 events — show timeline

• 2026-03-26 Listed $130,000 MLSOK
• 2019-05-02 Sold (Public Records) $90,000 Public Records
• 2019-04-30 Sold (MLS) $90,000 MLSOK
• 2019-04-15 Pending — MLSOK
• 2019-04-03 Listed $89,900 MLSOK
• 2011-05-06 Sold (Public Records) $67,500 Public Records
• 2011-05-04 Sold (MLS) $67,500 MLSOK
• 2011-02-25 Listed $75,000 MLSOK
• 2003-06-18 Sold (Public Records) $57,000 Public Records
• 2001-02-23 Sold (Public Records) $40,000 Public Records
• 1993-09-07 Sold (Public Records) $30,500 Public Records
• 1993-03-09 Sold (Public Records) $30,500 Public Records

Property tax history

+4.6%/yr

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