14441 N Pennsylvania Ave Unit 57L · Oklahoma City, OK 73134

$94,900

1 bd · 1.0 ba · 595 sqft · Condo public records · 126 Days on market

Built 1983 $204/mo HOA · 17% 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 +19.5/30.0
• 1% rule +7.6/10.0
• ARV discount +7.5/15.0
• Appreciation +6.4/10.0
• DSCR +6.1/10.0
• 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

A wonderful lower-level condo in Quail Springs Condos. Great location, minutes from Edmond schools, Quail Shopping, Chisolm Creek district, and Kilpatrick access. This lovely condo features functional living space, with open kitchen to living concept, spacious bedroom, and private patio. Stackable Bosch washer dryer, stainless appliances, and wood floors highlight the interior.

Key facts

• Near major hospitals
• Near scenic parks
• $204 HOA

Tags

• GATED QUAIL SPRINGS COMMUNITY
• CONVENIENCE OF GATED ENTRY
• NEAR PREMIER SHOPPING
• NEAR SCENIC PARKS
• NEAR TOP-RATED SCHOOLS
• NEAR MAJOR HOSPITALS

Property features AI

Finance

• Other: Existing property (not new construction)
• Financial info: Loan qualification permitted (not assumable)
• HOA & community: Mandatory association dues; Association amenities include gated entry, exterior maintenance, partial utilities, and a pool; Association fee is collected

Exterior

• Security: Gated entry (community amenity)
• Utilities: Public utilities
• Home design: Residential condominium; Lower-level unit; Unit faces west
• Construction: Composition roof; Other construction materials; Slab foundation
• Exterior features: Covered porch; Wood fencing; Interior lot

Interior

• Kitchen: Electric free-standing range/oven; Dishwasher; Microwave; Refrigerator; Water heater
• Bedrooms: 1 bedroom
• Flooring: Vinyl flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Electric heating
• Interior features: Wood-burning fireplace; Covered porch
• Laundry & utility: Washer and dryer included

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath condo listed at $95k.

Deal economics

• At list price, monthly cash flow is $107 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $95k).
• Recommended offer: $84k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.6% 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; 17 comparable units currently listed for rent nearby; rentals leasing fast (median 2d on market — plan ~1-2 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 $3k of equity ($656 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 $27k cash investment doubles in ~5 years — after that, you're playing with house money.
• By year 10, 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 126 days — a 12% lower offer ($84k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 24y 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.

Recommended offer $83,512 (12.0% below list)

Questions for the listing agent

1. It's been on market 126 days. Have you received any prior offers? Is the seller open to a 12% 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: 1.26% ✓
• Cap rate: 7.64%
• Cash-on-cash: 4.83%
• DSCR: 1.21
• GRM: 6.6

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: 12.9%
• Equity multiple: 1.74×
• Total profit: $19,645
• Equity at exit: $41,149

10-year hold

• IRR: 16.6%
• Equity multiple: 3.51×
• Total profit: $66,726
• Equity at exit: $62,255

Cash invested: $26,572 (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: 6.6×

Monthly cashflow live

• Estimated rent: $1,192 high
• Mortgage (P&I): −$498
• Tax from tax record: −$93 /mo · $1,118/yr
• Insurance: −$40
• HOA: −$204
• Vacancy / Maint / Mgmt: −$250
• Net cashflow: $107

Break-even live

Break-even rent $1,056

Max offer price $94,900

Occupancy floor 86%

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: $23,725
• Closing costs: $2,847
• Reserves months: —
• Total cash needed: —

Rent comps 17 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2300 NW 145th St Oklahoma City, OK	1.0–3.0	1.0–2.0	1000	$1,615	$1.61	1d	12	0.08mi
14712 Mezzaluna Blvd Oklahoma City, OK	1.0–2.0	1.0–2.0	898	$1,299	$1.45	23d	25	0.36mi
14900 N Pennsylvania Ave Oklahoma City, OK	1.0–3.0	1.0–2.0	1027	$1,010	$0.98	2d	19	0.44mi
14201 N Kentucky Ave Oklahoma City, OK	1.0–2.0	1.0–2.0	905	$1,628	$1.80	2d	18	0.45mi
2701 Watermark Blvd Oklahoma City, OK	1.0–3.0	1.0–2.0	1047	$1,161	$1.11	2d	19	0.53mi
14300 N Pennsylvania Ave Oklahoma City, OK	1.0–2.0	1.0–2.0	844	$799	$0.95	2d	1	0.57mi
14300 N May Ave Oklahoma City, OK	1.0–3.0	1.0–2.0	923	$890	$0.96	3d	15	0.61mi
14200 N May Ave Oklahoma City, OK	1.0–3.0	1.0–2.0	1031	$880	$0.85	2d	17	0.67mi
2609 Featherstone Rd Oklahoma City, OK	1.0–2.0	1.0–2.0	769	$699	$0.91	2d	34	0.86mi
13600 N Blackwelder Ave Oklahoma City, OK	3.0	1.0–2.0	850	$1,348	$1.58	2d	27	1.00mi
12831 Stratford Dr Oklahoma City, OK	1.0–3.0	1.0–2.0	1122	$854	$0.76	1d	22	1.06mi
3101 NW 150th St Oklahoma City, OK	1.0–2.0	1.0–2.0	811	$895	$1.10	2d	12	1.10mi
12701 N Pennsylvania Ave Oklahoma City, OK	3.0	1.0–2.0	912	$1,122	$1.23	1d	15	1.11mi
2301 NW 122nd St Oklahoma City, OK	1.0	1.0	723	$940	$1.30	2d	28	1.38mi
2201 NW 122nd St Oklahoma City, OK	—	1.0	520	$767	$1.48	43d	1	1.40mi
2401 NW 122nd St Oklahoma City, OK	1.0–2.0	1.0–2.0	844	$749	$0.89	23d	1	1.40mi
2700 Indian Creek Blvd Oklahoma City, OK	1.0–3.0	1.0–2.0	1261	$779	$0.62	2d	5	1.48mi

HOA detail condo

• Monthly dues: $204 · $2,448/yr
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 13 events

1. 2026-05-22
   status Pending
2. 2026-01-16
   listed $94,900 Active
3. 2024-08-30
   soldstatus $84,900 Closed 380-char remark

   Show marketing remark (380 chars)

   A wonderful lower-level condo in Quail Springs Condos. Great location, minutes from Edmond schools, Quail Shopping, Chisolm Creek district, and Kilpatrick access. This lovely condo features functional living space, with open kitchen to living concept, spacious bedroom, and private patio. Stackable Bosch washer dryer, stainless appliances, and wood floors highlight the interior.

4. 2024-07-12
   status Pending 380-char remark

   Show marketing remark (380 chars)

   A wonderful lower-level condo in Quail Springs Condos. Great location, minutes from Edmond schools, Quail Shopping, Chisolm Creek district, and Kilpatrick access. This lovely condo features functional living space, with open kitchen to living concept, spacious bedroom, and private patio. Stackable Bosch washer dryer, stainless appliances, and wood floors highlight the interior.

5. 2024-07-08
   listed $84,900 Active 380-char remark

   Show marketing remark (380 chars)

   A wonderful lower-level condo in Quail Springs Condos. Great location, minutes from Edmond schools, Quail Shopping, Chisolm Creek district, and Kilpatrick access. This lovely condo features functional living space, with open kitchen to living concept, spacious bedroom, and private patio. Stackable Bosch washer dryer, stainless appliances, and wood floors highlight the interior.

6. 2011-12-13
   soldstatus $33,000
7. 2011-12-12
   soldstatus $33,000 123-char remark

   Show marketing remark (123 chars)

   Prefect property for first time home buyer. Secure gated community, very open floor plan. Very easy to show, call for appt.

8. 2011-09-30
   listed $35,900 123-char remark

   Show marketing remark (123 chars)

   Prefect property for first time home buyer. Secure gated community, very open floor plan. Very easy to show, call for appt.

9. 2009-01-11
   historical
10. 2008-07-10
    listed $47,500
11. 2002-11-22
    soldstatus $28,600
12. 2002-10-30
    historical
13. 2002-09-27
    listed $29,900

ⓘ 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: $1,118 · $93/mo
• Projected year-2 tax: $1,118 · $93/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

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

Taxation est. · year 1

• Rental income: $14,298
• − Mortgage interest: −$5,316
• − Property taxes: −$1,118
• − Insurance: −$474
• − Repairs & maintenance: −$1,144
• − Management: −$1,144
• − HOA: −$2,448
• − Depreciation: −$2,761
• Taxable loss: −$107
• Est. tax savings @ 24.0%: +$26
• After-tax cash flow: $1,308/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

+217.4% since first listed

13 events — show timeline

• 2026-05-22 Pending — MLSOK
• 2026-01-16 Listed $94,900 MLSOK
• 2024-08-30 Sold (MLS) $84,900 MLSOK
• 2024-07-12 Pending — MLSOK
• 2024-07-08 Listed $84,900 MLSOK
• 2011-12-13 Sold (Public Records) $33,000 Public Records
• 2011-12-12 Sold (MLS) $33,000 MLSOK
• 2011-09-30 Listed $35,900 MLSOK
• 2009-01-11 Listing Removed — MLSOK
• 2008-07-10 Listed $47,500 MLSOK
• 2002-11-22 Sold (MLS) $28,600 MLSOK
• 2002-10-30 Listing Removed — MLSOK
• 2002-09-27 Listed $29,900 MLSOK

Property tax history

+8.6%/yr

Latest (2025): $1,118 · +53.2% YoY. Source: county tax records.