629 SW 45th St · Lawton, OK 73505

$144,900

3 bd · 2.0 ba · 1,772 sqft · SingleFamily public records · 127 Days on market

Built 1959 8,775 sqft lot Est $172k · 16% under

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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 +17.1/30.0
• ARV discount +14.6/15.0
• DSCR +5.3/10.0
• Rent growth +3.8/5.0
• 1% rule +3.6/10.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

When you enter this home you will see a large kitchen with natural sunlight. It has a separate dining room to entertain large family gatherings. This property has 3 bedrooms and 2 bathrooms. The primary bedroom is very spacious and has 2 closets. The garage has been enclosed and transformed into a family den with a working fireplace and built-in cabinets. It has a laundry room and other room that can be used as a storage room or for entertaining. It has a spacious fenced backyard. This property is being 'sold as is'. It is good for an investor . Call 580.730.1554 to make an appointment to see this spacious property located in the Eisenhower school district, close to convenient shopping, and hospitals.

Key facts

• Granite countertops
• Minutes from dining
• 8,775 sq ft lot

Tags

• GRANITE COUNTERTOPS
• SELECT FLOORING UPDATES
• BLOCKS FROM EISENHOWER SCHOOLS
• MINUTES FROM SHOPPING
• MINUTES FROM DINING

Property features AI

Exterior

• Parking: No garage
• Utilities: Public water; Public sewer; Natural gas available
• Home design: Single-family residence; One story; Updated/remodeled
• Construction: Vinyl siding; Slab foundation; Built with composition roofing
• Exterior features: Chain link and wood fencing; Composition roof; Public-maintained city street frontage

Interior

• Kitchen: Refrigerator; Oven
• Flooring: Carpet; Vinyl
• Bathrooms: 1 full bathroom; 1 three-quarter bathroom
• Heating & cooling: Central heating; Central air; Fireplace heating; Electric cooling
• Interior features: Granite counters; Wood-burning fireplace
• Laundry & utility: Washer hookup; Gas water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $145k.

Deal economics

• At list price, monthly cash flow is $101 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $125k (13.9% below list).
• Recommended offer: $125k (13.9% below list) — sets the bar for 1% rule.

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: Eisenhower Es (math 32% / reading 27%, grade F, #255 of 845 statewide, top 35%, 380 students, 0% FRL); Eisenhower Ms (math 20% / reading 30%, grade F, #90 of 345 statewide, top 27%, 1,035 students, 0% FRL); Eisenhower Hs (math 19% / reading 29%, grade F, #215 of 447 statewide, top 48%, 1,350 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 $1k of loan paydown is wiped out by about $4k 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.

Negotiation context

• It's been on market 127 days — a 12% lower offer ($128k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 10y ago; this cycle's ask has dropped $10k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $41k; list at $145k implies a 253% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1959 — expect roof / HVAC / electrical / plumbing capex.
• 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 $124,697 (13.9% below list)

Questions for the listing agent

1. It's been on market 127 days. Have you received any prior offers? Is the seller open to a 14% concession, seller financing, or rate buy-down credit?
2. Built in 1959 — 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: 0.86% ✗
• Cap rate: 7.13%
• Cash-on-cash: 2.99%
• DSCR: 1.13
• GRM: 9.7

CMA / ARV

• ARV (on-the-fly): $171,884
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4632 SW Beta Ave	0.04mi	3/2.0	1,700 (-4%)	8mo	$150,000	$88	84
4628 SW Beta Ave	0.06mi	3/2.0	1,600 (-10%)	12mo	$156,500	$98	70
4503 SW 45th Pl	0.37mi	3/2.0	1,800 (+2%)	12mo	$165,500	$92	70
4522 SW Cherokee Ave	0.29mi	3/1.5	1,600 (-10%)	10mo	$149,900	$94	59
1 NW 59th St	0.65mi	3/2.0	1,800 (+2%)	10mo	$176,000	$98	59
10 NW 57th St	0.64mi	3/2.0	1,800 (+2%)	14mo	$186,500	$104	56
1 NW 60th	0.69mi	3/2.0	1,700 (-4%)	8mo	$197,500	$116	55
5 NW 57th St	0.60mi	3/2.0	1,600 (-10%)	4mo	$154,500	$97	53
4500 SW Lee Blvd	0.71mi	3/2.0	1,600 (-10%)	6mo	$125,000	$78	46
4 NW 56th St	0.57mi	4/2.0 (+1)	1,600 (-10%)	10mo	$120,000	$75	44
6 NW 60th St	0.73mi	3/2.0	1,600 (-10%)	13mo	$167,000	$104	39
7 NW 60th St	0.72mi	4/2.0 (+1)	2,000 (+13%)	6mo	$170,000	$85	35

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: -9.5%
• Equity multiple: 0.65×
• Total profit: $-14,362
• Equity at exit: $21,605

10-year hold

• IRR: 2.3%
• Equity multiple: 1.18×
• Total profit: $7,313
• Equity at exit: $12,528

Cash invested: $40,572 (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 73505

• Rents YoY: 5.1%
• Active inventory: 398
• Price-to-rent: 9.7×

Monthly cashflow live

• Estimated rent: $1,247 medium
• Mortgage (P&I): −$760
• Tax from tax record: −$64 /mo · $767/yr
• Insurance: −$60
• HOA: −$0
• Vacancy / Maint / Mgmt: −$262
• Net cashflow: $101

Break-even live

Break-even rent $1,119

Max offer price $144,900

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: $36,225
• Closing costs: $4,347
• Reserves months: —
• Total cash needed: —

Listing history 28 events

1. 2026-06-19
   days on market $144,900 Active 127 DOM
2. 2026-06-18
   days on market $144,900 Active 126 DOM
3. 2026-06-17
   days on market $144,900 Active 125 DOM
4. 2026-06-16
   days on market $144,900 Active 124 DOM
5. 2026-06-15
   days on market $144,900 Active 123 DOM
6. 2026-06-14
   days on market $144,900 Active 121 DOM
7. 2026-06-13
   days on market $144,900 Active 120 DOM
8. 2026-06-10
   days on market $144,900 Active 118 DOM
9. 2026-06-09
   days on market $144,900 Active 117 DOM
10. 2026-06-08
    days on market $144,900 Active 116 DOM
11. 2026-06-07
    days on market $144,900 Active 115 DOM
12. 2026-06-05
    days on market $144,900 Active 112 DOM
13. 2026-06-03
    days on market $144,900 Active 111 DOM
14. 2026-06-02
    days on market $144,900 Active 110 DOM
15. 2026-06-01
    days on market $144,900 Active 109 DOM
16. 2026-05-31
    days on market $144,900 Active 108 DOM
17. 2026-05-30
    days on market $144,900 Active 107 DOM
18. 2026-04-29
    price $144,900
19. 2026-03-10
    price $149,900
20. 2026-02-12
    listed $154,900 Active
21. 2022-12-09
    historical
22. 2021-04-30
    soldstatus $41,000
23. 2021-04-23
    soldstatus $41,000 711-char remark

    Show marketing remark (711 chars)

    When you enter this home you will see a large kitchen with natural sunlight. It has a separate dining room to entertain large family gatherings. This property has 3 bedrooms and 2 bathrooms. The primary bedroom is very spacious and has 2 closets. The garage has been enclosed and transformed into a family den with a working fireplace and built-in cabinets. It has a laundry room and other room that can be used as a storage room or for entertaining. It has a spacious fenced backyard. This property is being 'sold as is'. It is good for an investor . Call 580.730.1554 to make an appointment to see this spacious property located in the Eisenhower school district, close to convenient shopping, and hospitals.

24. 2020-09-24
    listed $55,500 711-char remark

    Show marketing remark (711 chars)

    When you enter this home you will see a large kitchen with natural sunlight. It has a separate dining room to entertain large family gatherings. This property has 3 bedrooms and 2 bathrooms. The primary bedroom is very spacious and has 2 closets. The garage has been enclosed and transformed into a family den with a working fireplace and built-in cabinets. It has a laundry room and other room that can be used as a storage room or for entertaining. It has a spacious fenced backyard. This property is being 'sold as is'. It is good for an investor . Call 580.730.1554 to make an appointment to see this spacious property located in the Eisenhower school district, close to convenient shopping, and hospitals.

25. 2017-02-01
    soldstatus $24,400 290-char remark

    Show marketing remark (290 chars)

    This 3 bedroom, 2 bath home is in walking distance to grades 1 through 12. School kids may never be late again. Managed by Chronos Solutions exclusive agency. More properties may be found at www. hudhomestore.com or visit www. chronossolutions.com or For More Info CALL Dennis 580-695-1807

26. 2016-11-17
    listed $25,000 290-char remark

    Show marketing remark (290 chars)

    This 3 bedroom, 2 bath home is in walking distance to grades 1 through 12. School kids may never be late again. Managed by Chronos Solutions exclusive agency. More properties may be found at www. hudhomestore.com or visit www. chronossolutions.com or For More Info CALL Dennis 580-695-1807

27. 2007-08-17
    soldstatus $94,500
28. 2006-09-28
    soldstatus $71,000

ⓘ 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: $767 · $64/mo
• Projected year-2 tax: $1,304 · $109/mo
• Expected delta: +$537/yr (+$45/mo · 70.0%)

ⓘ 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 3/10 Moderate 6% 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: $14,964
• − Mortgage interest: −$8,117
• − Property taxes: −$767
• − Insurance: −$724
• − Repairs & maintenance: −$1,197
• − Management: −$1,197
• − Depreciation: −$4,215
• Taxable loss: −$1,254
• Est. tax savings @ 24.0%: +$301
• After-tax cash flow: $1,512/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

+104.1% since first listed

11 events — show timeline

• 2026-04-29 Price Changed $144,900 LBRMLS
• 2026-03-10 Price Changed $149,900 LBRMLS
• 2026-02-12 Listed $154,900 LBRMLS
• 2022-12-09 Rental Removed — RENT.
• 2021-04-30 Sold (Public Records) $41,000 Public Records
• 2021-04-23 Sold (MLS) $41,000 LBRMLS
• 2020-09-24 Listed $55,500 LBRMLS
• 2017-02-01 Sold (MLS) $24,400 LBRMLS
• 2016-11-17 Listed $25,000 LBRMLS
• 2007-08-17 Sold (Public Records) $94,500 Public Records
• 2006-09-28 Sold (Public Records) $71,000 Public Records

Property tax history

-1.5%/yr

Latest (2025): $767 · +4.6% YoY. Source: county tax records.