297 E Paudom Ave · Prue, OK 74060

$120,000

2 bd · 2.0 ba · 1,368 sqft · Manufactured public records · 27 Days on market

Built 2010 1.00 ac lot Est $86k · 39% over ↓ 22% since listing

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Why this score? — see what drove the D+ 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 +20.0/30.0
• DSCR +6.3/10.0
• Appreciation +5.0/10.0
• 1% rule +4.1/10.0
• Schools +3.7/10.0
• Livability +2.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0

Listing remarks MLS

2010 Manufactured Home – Corner Lot Near Keystone Lake! This manufactured home offers approximately 1,368 sq. ft. per courthouse records. Featuring 4 bedrooms and 2 bathrooms, the open living room and kitchen layout is ideal for entertaining and everyday family living. Less than a mile from the lake and conveniently located near Prue Public Schools, this property provides both simplicity and convenience. Whether you're looking to be close to school, church, or lake access, this home delivers.

Key facts

• Fresh paint
• Move-in-ready
• New flooring

Tags

• REMODELED MANUFACTURED HOME
• CORNER LOT
• OPEN LIVING ROOM AND KITCHEN
• NEW FLOORING
• FRESH PAINT
• MOVE-IN-READY

Property features AI

Finance

• Other: Property listed by Cochran & Co Realtors

Exterior

• Parking: No parking details provided
• Security: No safety shelter
• Utilities: Electricity available; Public water; Septic tank sewer
• Home design: Single-wide manufactured home; One story; Faces south; Tie-down foundation
• Construction: Manufactured construction with vinyl siding; Metal roof; Year built per public records
• Exterior features: Front porch; Corner lot; Located less than 1 mile from Keystone Lake

Interior

• Kitchen: Dishwasher; Microwave; Oven; Range; Stove; Disposal; Electric water heater
• Bedrooms: Total rooms: 8 (includes all living spaces)
• Flooring: Carpet; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Laminate counters; Ceiling fan(s); Vinyl window frames; Electric oven connection; No additional interior exterior features reported
• Laundry & utility: Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $120k.

Deal economics

• At list price, monthly cash flow is $146 ($2k/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 $109k (9.3% below list).
• Recommended offer: $109k (9.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 56/100 on livability (#527 in OK) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: employment C-, schools D-, crime F.
• Prue (rural): math 45% / reading 35% proficiency, ranked #102 of 513 in OK (top 20%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 78% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 5 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 $4k of equity ($830 loan paydown + $4k appreciation (3.0% 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 (3.0% appreciation + 3.0% rent growth), your $34k cash investment doubles in ~5 years — after that, you're playing with house money.
• By year 8, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 27 days — a 2% lower offer ($118k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 2y 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 $64k; list at $120k implies a 89% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wildfire risk; extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $108,818 (9.3% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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?
4. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
5. 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.
6. 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.
7. 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: 0.91% ✗
• Cap rate: 7.76%
• Cash-on-cash: 5.22%
• DSCR: 1.23
• GRM: 9.2

CMA / ARV

• ARV (on-the-fly): $86,184
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
218 Lake Dr	0.23mi	3/2.0 (+1)	1,216 (-11%)	16mo	$76,900	$63	52

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 12.4%
• Equity multiple: 1.71×
• Total profit: $23,718
• Equity at exit: $53,957

10-year hold

• IRR: 14.4%
• Equity multiple: 3.12×
• Total profit: $71,320
• Equity at exit: $83,154

Cash invested: $33,600 (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 74060

• Active inventory: 5
• Price-to-rent: 9.2×

Monthly cashflow live

• Estimated rent: $1,088 medium
• Mortgage (P&I): −$629
• Tax from tax record: −$34 /mo · $409/yr
• Insurance: −$50
• HOA: −$0
• Vacancy / Maint / Mgmt: −$229
• Net cashflow: $146

Break-even live

Break-even rent $903

Max offer price $120,000

Occupancy floor 82%

Sensitivity live

Price	-10% $214	-5% $180	+0% $146	+5% $112	+10% $78
Rent	-10% $60	-5% $103	+0% $146	+5% $189	+10% $232
Rate	-1.0pp $207	-0.5pp $177	base $146	+0.5pp $115	+1.0pp $84

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: $30,000
• Closing costs: $3,600
• Reserves months: —
• Total cash needed: —

Listing history 23 events

1. 2026-06-07
   statusdays on market $120,000 Pending 27 DOM
2. 2026-06-03
   days on market $120,000 Active 26 DOM
3. 2026-06-02
   days on market $120,000 Active 25 DOM
4. 2026-06-01
   days on market $120,000 Active 24 DOM
5. 2026-05-31
   days on market $120,000 Active 23 DOM
6. 2026-05-08
   listed $125,000 Active
7. 2025-12-11
   soldstatus $63,500
8. 2025-12-09
   soldstatus $63,400 Closed 504-char remark

   Show marketing remark (504 chars)

   2010 Manufactured Home – Corner Lot Near Keystone Lake! This manufactured home offers approximately 1,368 sq. ft. per courthouse records. Featuring 4 bedrooms and 2 bathrooms, the open living room and kitchen layout is ideal for entertaining and everyday family living. Less than a mile from the lake and conveniently located near Prue Public Schools, this property provides both simplicity and convenience. Whether you're looking to be close to school, church, or lake access, this home delivers.

9. 2025-10-09
   status Pending 504-char remark

   Show marketing remark (504 chars)

   2010 Manufactured Home – Corner Lot Near Keystone Lake! This manufactured home offers approximately 1,368 sq. ft. per courthouse records. Featuring 4 bedrooms and 2 bathrooms, the open living room and kitchen layout is ideal for entertaining and everyday family living. Less than a mile from the lake and conveniently located near Prue Public Schools, this property provides both simplicity and convenience. Whether you're looking to be close to school, church, or lake access, this home delivers.

10. 2025-10-03
    listed $65,000 Active 504-char remark

    Show marketing remark (504 chars)

    2010 Manufactured Home – Corner Lot Near Keystone Lake! This manufactured home offers approximately 1,368 sq. ft. per courthouse records. Featuring 4 bedrooms and 2 bathrooms, the open living room and kitchen layout is ideal for entertaining and everyday family living. Less than a mile from the lake and conveniently located near Prue Public Schools, this property provides both simplicity and convenience. Whether you're looking to be close to school, church, or lake access, this home delivers.

11. 2025-06-03
    status Pending
12. 2025-06-03
    historical
13. 2025-05-21
    status Active
14. 2025-05-07
    status Pending
15. 2025-04-25
    price $70,000
16. 2025-04-23
    price $80,000
17. 2025-04-11
    price $95,000
18. 2025-04-03
    price $110,000
19. 2025-03-31
    price $120,000
20. 2025-02-28
    price $125,000
21. 2025-01-03
    price $139,900
22. 2024-11-22
    price $149,900
23. 2024-10-30
    listed $159,900 Active

ⓘ 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: $409 · $34/mo
• Projected year-2 tax: $1,080 · $90/mo
• Expected delta: +$671/yr (+$56/mo · 164.1%)

ⓘ 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 6/10 Major 7 d/yr ≥110°F today · 18 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 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: $13,058
• − Mortgage interest: −$6,722
• − Property taxes: −$409
• − Insurance: −$600
• − Repairs & maintenance: −$1,045
• − Management: −$1,045
• − Depreciation: −$3,491
• Taxable loss: −$253
• Est. tax savings @ 24.0%: +$61
• After-tax cash flow: $1,816/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: Prue
• NCES district ID: 4025170
• Math proficiency: 45% ▲ 15.00%
• Reading proficiency: 35% ▲ 5.00%
• Median HH income: $45,700
• Composite: 36.53/100
• National rank: #9301
• State rank: #102 of 513 in OK

Livability — Prue

• Score: 56/100
• State rank: #527
• US rank: #22857

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Prue, OK
• Population (ZIP): 368

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: Predominantly White (69%)
• Race & ethnicity: White 69% Two or more races 23% Native American 5%
• Common ancestry: Slovak 5% Serbian 2% Iranian 1%
• Foreign-born: 1%

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: —
• Current HPI: —
• 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

-21.8% since first listed

18 events — show timeline

• 2026-05-08 Listed $125,000 MLS Technology, Inc.
• 2025-12-11 Sold (Public Records) $63,500 Public Records
• 2025-12-09 Sold (MLS) $63,400 MLS Technology, Inc.
• 2025-10-09 Pending — MLS Technology, Inc.
• 2025-10-03 Listed $65,000 MLS Technology, Inc.
• 2025-06-03 Pending — MLS Technology, Inc.
• 2025-06-03 Listing Removed — MLS Technology, Inc.
• 2025-05-21 Relisted — MLS Technology, Inc.
• 2025-05-07 Pending — MLS Technology, Inc.
• 2025-04-25 Price Changed $70,000 MLS Technology, Inc.
• 2025-04-23 Price Changed $80,000 MLS Technology, Inc.
• 2025-04-11 Price Changed $95,000 MLS Technology, Inc.
• 2025-04-03 Price Changed $110,000 MLS Technology, Inc.
• 2025-03-31 Price Changed $120,000 MLS Technology, Inc.
• 2025-02-28 Price Changed $125,000 MLS Technology, Inc.
• 2025-01-03 Price Changed $139,900 MLS Technology, Inc.
• 2024-11-22 Price Changed $149,900 MLS Technology, Inc.
• 2024-10-30 Listed $159,900 MLS Technology, Inc.

Property tax history

+38.8%/yr

Latest (2025): $409 · -0.2% YoY. Source: county tax records.