910 SW 37th · Lawton, OK 73505

$99,000

3 bd · 1.0 ba · 1,128 sqft · SingleFamily public records · 94 Days on market

Built 1961 5,940 sqft lot Est $68k · 46% over

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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 +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +7.7/10.0
• Rent growth +3.8/5.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks

For more information call Real Estate Experts, LLC at 580 248 2600 or visit staceandreedy.com. Welcome to this beautifully reimagined 3-bedroom, 1,200 sq. ft. residence, where modem luxury meets everyday convenience. Ideally located just minutes from the university, premier shopping, and an array of dining options, this fully renovated home offers an exceptional lifestyle in a highly desirable setting. Step inside to discover a thoughtfully redesigned interior featuring a bright, open layout and elevated finishes throughout. The home has been completely transformed with brand-new HVAC, energy-efficient windows, fresh designer paint, plush carpeting, and meticulous attention to detail at eve

Key facts

• Bright open layout
• Fully renovated home
• Stunning kitchen

Tags

• FULLY RENOVATED HOME
• BRIGHT OPEN LAYOUT
• BRAND NEW HVAC
• ENERGY EFFICIENT WINDOWS
• STUNNING KITCHEN
• SLEEK COUNTERTOPS

Property features AI

Finance

• Other: Property type: Residential

Exterior

• Parking: No garage
• Security: Smoke detectors
• Utilities: Public water; Public sewer; Natural gas available
• Home design: Single-family residence; One story; Updated/remodeled
• Construction: Vinyl siding
• Exterior features: Patio; Chain-link fencing; Composition roof

Interior

• Kitchen: Cooktop; Range hood; Pantry
• Bedrooms: No bedroom level details provided
• Flooring: Ceramic tile; Carpet; Vinyl
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating (natural gas); Central air; Ceiling fans; Electric cooling
• Interior features: Pantry; Double-pane windows; Window coverings; Cooktop; Range hood; Gas water heater
• Laundry & utility: Washer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $99k.

Deal economics

• At list price, monthly cash flow is $393 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $99k).
• Recommended offer: $90k (9.0% below list) — sets the bar for market timing.
• Cap rate 11.1% vs local median 6.1% in Lawton — 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 63/100 on livability (#206 in OK) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment D, crime F, commute F.
• Lawton (urban): math 20% / reading 26% proficiency, ranked #137 of 270 in OK (top 51%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Cleveland Es (math 32% / reading 12%, grade F, #413 of 845 statewide, top 54%, 300 students, 0% FRL); Central Ms (math 17% / reading 24%, grade F, #153 of 345 statewide, top 45%, 994 students, 0% FRL); Lawton Hs (math 16% / reading 21%, grade F, #302 of 447 statewide, top 68%, 1,417 students, 0% FRL) — zoned schools average 0% FRL vs 54% district-wide (54 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: Rents rising fast (+5.1%/yr); 398 active listings in the ZIP; 133 units permitted in Comanche County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $684 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Comanche County population projected to shrink 3% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 5.1% rent growth), your $28k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 94 days — a 9% lower offer ($90k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 2y ago; this cycle's ask is 10321% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

• Climate carrying-cost: major 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 $90,090 (9.0% below list)

Questions for the listing agent

1. It's been on market 94 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1961 — 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 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?
6. 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?
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: 1.27% ✓
• Cap rate: 11.06%
• Cash-on-cash: 17.01%
• DSCR: 1.76
• GRM: 6.6

CMA / ARV

• ARV (on-the-fly): $67,680
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
928 SW 37th St	0.10mi	3/1.0	1,150 (+2%)	16mo	$120,000	$104	79
904 SW 37th St	0.03mi	3/1.0	1,000 (-11%)	6mo	$112,000	$112	74
3405 SW Crestview Dr	0.13mi	3/1.0	1,000 (-11%)	10mo	$59,500	$60	66
901 SW 34th St	0.12mi	3/1.0	1,000 (-11%)	16mo	$60,000	$60	62
2518 Cornell Ave	0.73mi	3/1.0	1,100 (-2%)	11mo	$85,900	$78	52
1114 SW 45th St	0.68mi	3/1.5	1,200 (+6%)	7mo	$69,500	$58	50
2512 SW H Ave	0.58mi	3/1.0	968 (-14%)	1mo	$17,500	$18	49
4224 SW Summit Ave	0.63mi	3/1.5	1,000 (-11%)	2mo	$49,600	$50	48
619 SW 26th St	0.51mi	2/1.0 (-1)	1,000 (-11%)	15mo	$67,500	$68	40
730 SW 46th St	0.71mi	4/2.0 (+1)	1,200 (+6%)	12mo	$60,000	$50	37
4510 SW K Ave	0.72mi	4/1.0 (+1)	1,200 (+6%)	17mo	$52,000	$43	36
2335 SW Evans Ave	0.73mi	3/1.0	1,000 (-11%)	16mo	$55,000	$55	34

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 · 5.14% rent growth · sell at horizon

5-year hold

• IRR: 10.5%
• Equity multiple: 1.42×
• Total profit: $11,724
• Equity at exit: $14,761

10-year hold

• IRR: 21.1%
• Equity multiple: 2.95×
• Total profit: $54,166
• Equity at exit: $8,560

Cash invested: $27,720 (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 73505

• Rents YoY: 5.1%
• Active inventory: 398
• Price-to-rent: 6.6×

Monthly cashflow live

• Estimated rent: $1,257 medium
• Mortgage (P&I): −$519
• Tax from tax record: −$40 /mo · $479/yr
• Insurance: −$41
• HOA: −$0
• Vacancy / Maint / Mgmt: −$264
• Net cashflow: $393

Break-even live

Break-even rent $760

Max offer price $99,000

Occupancy floor 64%

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: $24,750
• Closing costs: $2,970
• Reserves months: —
• Total cash needed: —

Listing history 19 events

1. 2026-05-19
   status Pending
2. 2026-04-22
   soldstatus $98,000
3. 2026-03-13
   historical $925
4. 2026-03-10
   historical Active Under Contract
5. 2026-03-07
   price $925
6. 2026-03-05
   price $99,000
7. 2026-02-13
   listed $950
8. 2026-02-13
   listed $105,000 Active
9. 2024-10-12
   historical $850
10. 2024-10-01
    price $90,000
11. 2024-09-26
    price $850
12. 2024-09-07
    price $875
13. 2024-09-06
    listed $95,000 Active
14. 2024-09-05
    price $895
15. 2024-08-16
    listed $900
16. 2022-09-02
    soldstatus $525,000
17. 2015-12-16
    soldstatus $92,000
18. 2010-03-19
    soldstatus $26,000
19. 2006-07-28
    soldstatus $32,500

ⓘ 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: $479 · $40/mo
• Projected year-2 tax: $891 · $74/mo
• Expected delta: +$412/yr (+$34/mo · 86.0%)

ⓘ 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 6/10 Major
• 🌡 Heat 7/10 Severe 7 d/yr ≥109°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 4% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,089
• − Mortgage interest: −$5,546
• − Property taxes: −$479
• − Insurance: −$495
• − Repairs & maintenance: −$1,207
• − Management: −$1,207
• − Depreciation: −$2,880
• Taxable income: $3,275
• Est. tax owed @ 24.0%: −$786
• After-tax cash flow: $3,930/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: Lawton
• NCES district ID: 4017250
• Math proficiency: 20% ▼ -12.00%
• Reading proficiency: 26% ▼ -9.00%
• Median HH income: $42,618
• Composite: 19.68/100
• National rank: #8732
• State rank: #137 of 270 in OK

Livability — Lawton

• Score: 63/100
• State rank: #206
• US rank: #15131

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lawton, OK
• County: Comanche County · 96,361 people
• City population: 89,233
• Metro: Lawton, OK
• Population (ZIP): 47,790
• Household income: $58,272
• Rent vs Own: 48.2% rent · 51.8% own
• Severe rent burden: 1986.0

Population outlook (Comanche County) Hauer SSP2

• Today (2025): 124,518 people
• By 2030: 124,231 · -0.2%
• By 2040: 122,193 · -1.9%
• By 2050: 120,368 · -3.3%
• By 2075: 120,492 · -3.2%
• By 2100: 123,113 · -1.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.70)
• Race & ethnicity: White 50% Black 17% Two or more races 16% Hispanic / Latino 16% Native American 4% Asian 3%
• Hispanic origin (detail): Mexican 11% Puerto Rican 2%
• Common ancestry: Lithuanian 2% Slovak 2% Romanian 1%
• Foreign-born: 6% · Canada, South Korea
• Languages at home: 88% English-only · Spanish 6% German/W. Germanic 2% Korean 1%

Political lean MEDSL · Comanche

• 2024 margin: Strong R (+23.3) · D 37.4% · R 60.7% · Other 1.9%
• 2008→2024 swing: -5.8pp toward R · 2008: -17.5pp · 2024: -23.3pp
• All cycles: 2024: R+23.3 2020: R+20.1 2016: R+23.7 2012: R+17.0 2008: R+17.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -134.88%
• Current HPI: 169.4524
• Rent YoY: ▲ 5.14%
• Metro: Lawton, 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

+201.5% since first listed

19 events — show timeline

• 2026-05-19 Pending — LBRMLS
• 2026-04-22 Sold (Public Records) $98,000 Public Records
• 2026-03-13 Rental Removed $925 BUILDIUM
• 2026-03-10 Contingent — LBRMLS
• 2026-03-07 Price Changed $925 BUILDIUM
• 2026-03-05 Price Changed $99,000 LBRMLS
• 2026-02-13 Listed for Rent $950 BUILDIUM
• 2026-02-13 Listed $105,000 LBRMLS
• 2024-10-12 Rental Removed $850 BUILDIUM
• 2024-10-01 Price Changed $90,000 LBRMLS
• 2024-09-26 Price Changed $850 BUILDIUM
• 2024-09-07 Price Changed $875 BUILDIUM
• 2024-09-06 Listed $95,000 LBRMLS
• 2024-09-05 Price Changed $895 BUILDIUM
• 2024-08-16 Listed for Rent $900 BUILDIUM
• 2022-09-02 Sold (Public Records) $525,000 Public Records
• 2015-12-16 Sold (Public Records) $92,000 Public Records
• 2010-03-19 Sold (Public Records) $26,000 Public Records
• 2006-07-28 Sold (Public Records) $32,500 Public Records

Property tax history

-0.4%/yr

Latest (2025): $479 · +4.8% YoY. Source: county tax records.