95 N Harmony Ln · Shawnee, OK 74804

$149,900

3 bd · 2.0 ba · 1,216 sqft · SingleFamily · 74 Days on market

Built 2012 Good condition 0.86 ac lot Est $123k · 22% over

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Why this score? — see what drove the F 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 +12.1/30.0
• Schools +5.0/10.0
• Condition / age +4.0/5.0
• DSCR +3.6/10.0
• 1% rule +3.5/10.0
• Livability +3.2/5.0
• Rent growth +3.1/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks

Completely Remodeled Mobile Home on Private 0.86-Acre Fenced Lot – Shawnee, OK Escape the hustle and enjoy peaceful country living in this beautifully updated home situated on a spacious, fully fenced 0.86-acre secluded property. Tucked away yet incredibly convenient — just a couple of minutes from I-40 and only 40 minutes to OKC! This home has been completely remodeled and is move-in ready. It features fresh interiors, modern finishes, and a clean, bright layout that feels open and welcoming. With North Rock Creek Schools, you’ll enjoy one of the area’s top-rated school districts. Key Features: Fully remodeled interior with new updates throughout Private, secluded,

Key facts

• Remodeled interior
• Private lot
• Secluded property

Tags

• REMODELED INTERIOR
• PRIVATE LOT
• SECLUDED PROPERTY
• FENCED LOT
• PEACEFUL SETTING
• MATURE TREES

Property features AI

Finance

• Other: Vacant and not occupied; No home warranty; Listing status: Active
• Financial info: Listing terms: Cash, Conventional, Rural Housing Services
• HOA & community: No mandatory association dues

Exterior

• Parking: Gravel parking; RV parking; Other parking
• Utilities: Electricity available; Propane available; Septic tank; Private well available; High-speed internet available
• Home design: Single-family residence; One-story; Faces south; Residential property; Entry level: One
• Construction: Manufactured/mobile construction; Other construction materials; Composition roof; Combination foundation; Roof replaced or updated in 2025; Estimated completion date: 2026-04-30
• Exterior features: Wood fencing; Interior lot; Rural setting; Wooded lot

Interior

• Kitchen: Free-standing electric range/oven
• Bedrooms: 3 bedrooms
• Flooring: Laminate flooring; Vinyl flooring; Other flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating
• Interior features: Open deck; Open patio; No fireplace
• Laundry & utility: Septic tank; Private well available; Propane available; High-speed internet available; Electric service available

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $150k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-32 ($-381/yr) — negative.
• To cash-flow at today's rent, offer at most $145k (3.1% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $127k (15.2% below list).
• Recommended offer: $127k (15.2% below list) — sets the bar for 1% rule.
• Cap rate 6.0% vs local median 3.9% in Shawnee — 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 (#217 in OK) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: crime F, amenities F, commute F.
• Zoned schools: North Rock Creek Es (math 12% / reading 12%, grade F, #667 of 845 statewide, top 82%, 467 students, 0% FRL); North Rock Creek Hs (math 27% / reading 22%, grade F, #150 of 447 statewide, top 48%, 454 students, 0% FRL).
• Market conditions: Rents rising (+2.5%/yr); 394 active listings in the ZIP; 183 units permitted in Pottawatomie County in 2024 (16 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.
• Pottawatomie County population projected at +12% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 74 days — a 6% lower offer ($141k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe 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 $127,115 (15.2% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 74 days. Have you received any prior offers? Is the seller open to a 15% concession, seller financing, or rate buy-down credit?
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 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?
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. 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?
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 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: 0.85% ✗
• Cap rate: 6.04%
• Cash-on-cash: -0.91%
• DSCR: 0.96
• GRM: 9.8

CMA / ARV

• ARV (on-the-fly): $122,816
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
407 Butler Dr	0.61mi	3/1.5	1,136 (-7%)	4mo	$115,258	$101	55

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 · 2.49% rent growth · sell at horizon

5-year hold

• IRR: -18.3%
• Equity multiple: 0.36×
• Total profit: $-26,940
• Equity at exit: $22,351

10-year hold

• IRR: -11.7%
• Equity multiple: 0.32×
• Total profit: $-28,618
• Equity at exit: $12,961

Cash invested: $41,972 (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 74804

• Home prices YoY: -25.1%
• Rents YoY: 2.5%
• Active inventory: 394
• Price-to-rent: 9.8×

Monthly cashflow live

• Estimated rent: $1,271 medium
• Mortgage (P&I): −$786
• Tax est. 1.5%: −$187 /mo · $2,248/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$267
• Net cashflow: $-32

Break-even live

Break-even rent $1,311

Max offer price $145,311

Occupancy floor 98%

Sensitivity live

Price	-10% $72	-5% $20	+0% $-32	+5% $-84	+10% $-135
Rent	-10% $-132	-5% $-82	+0% $-32	+5% $18	+10% $69
Rate	-1.0pp $44	-0.5pp $6	base $-32	+0.5pp $-71	+1.0pp $-110

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: $37,475
• Closing costs: $4,497
• Reserves months: —
• Total cash needed: —

Listing history 19 events

1. 2026-06-22
   days on market $149,900 Active 74 DOM
2. 2026-06-21
   days on market $149,900 Active 73 DOM
3. 2026-06-19
   days on market $149,900 Active 71 DOM
4. 2026-06-18
   days on market $149,900 Active 70 DOM
5. 2026-06-17
   days on market $149,900 Active 69 DOM
6. 2026-06-16
   days on market $149,900 Active 68 DOM
7. 2026-06-15
   days on market $149,900 Active 67 DOM
8. 2026-06-14
   days on market $149,900 Active 65 DOM
9. 2026-06-12
   days on market $149,900 Active 64 DOM
10. 2026-06-09
    days on market $149,900 Active 61 DOM
11. 2026-06-08
    days on market $149,900 Active 60 DOM
12. 2026-06-07
    days on market $149,900 Active 59 DOM
13. 2026-06-05
    days on market $149,900 Active 56 DOM
14. 2026-06-03
    days on market $149,900 Active 55 DOM
15. 2026-06-02
    days on market $149,900 Active 54 DOM
16. 2026-06-01
    days on market $149,900 Active 53 DOM
17. 2026-05-31
    days on market $149,900 Active 52 DOM
18. 2026-05-30
    days on market $149,900 Active 51 DOM
19. 2026-04-09
    listed $149,900 Active

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 8/10 Severe
• 🌡 Heat 5/10 Major 7 d/yr ≥109°F today · 19 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: $15,254
• − Mortgage interest: −$8,397
• − Property taxes: −$2,248
• − Insurance: −$750
• − Repairs & maintenance: −$1,220
• − Management: −$1,220
• − Depreciation: −$4,361
• Taxable loss: −$2,942
• Est. tax savings @ 24.0%: +$706
• After-tax cash flow: $326/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.

Condition & rehab AI · 12 photos

Good 80/100 Cosmetic rehab

This completely remodeled mobile home on a private, fenced 0.86-acre lot is move-in ready and offers a peaceful country living experience.

Value-add opportunities

• Both Landscaping and curb appeal improvements — Enhances curb appeal and could attract more buyers or renters.
• Both Add a small shed or storage unit — Provides additional storage and could increase the home's perceived value.
• Both Install a security system — Improves safety and could attract more buyers or renters.
• Both Add a small patio or outdoor seating area — Enhances outdoor living space and could increase the home's perceived value.

Renovation cost estimate screening

Value-add ROI direction

• Both Landscaping and curb appeal improvements — Enhances curb appeal and could attract more buyers or renters. ↑
• Both Add a small shed or storage unit — Provides additional storage and could increase the home's perceived value. ↑
• Both Install a security system — Improves safety and could attract more buyers or renters. ↑
• Both Add a small patio or outdoor seating area — Enhances outdoor living space and could increase the home's perceived value. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

No district data.

Livability — Shawnee

• Score: 63/100
• State rank: #217
• US rank: #15593

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Pottawatomie County · 45,194 people
• City population: 45,194
• Metro: Shawnee, OK
• Population (ZIP): 23,227
• Household income: $67,631
• Rent vs Own: 31.7% rent · 68.3% own
• Severe rent burden: 442.0

Population outlook (Pottawatomie County) Hauer SSP2

• Today (2025): 76,622 people
• By 2030: 78,816 · +2.9%
• By 2040: 82,766 · +8.0%
• By 2050: 86,031 · +12.3%
• By 2075: 93,316 · +21.8%
• By 2100: 95,820 · +25.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (70%)
• Race & ethnicity: White 70% Two or more races 11% Native American 11% Hispanic / Latino 6% Black 4%
• Hispanic origin (detail): Mexican 4%
• Common ancestry: Slovak 2% Lithuanian 2% Italian 1%
• Foreign-born: 3% · Canada
• Languages at home: 96% English-only · Spanish 3%

Political lean MEDSL · Pottawatomie

• 2024 margin: Solid R (+47.4) · D 25.2% · R 72.7% · Other 2.1%
• 2008→2024 swing: -9.1pp toward R · 2008: -38.4pp · 2024: -47.4pp
• All cycles: 2024: R+47.4 2020: R+46.0 2016: R+46.5 2012: R+38.7 2008: R+38.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -83.01%
• Current HPI: 247.115
• Rent YoY: ▲ 2.49%
• Metro: Shawnee, 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

1 event — show timeline

• 2026-04-09 Listed $149,900 MLSOK