110 S Harding St · Enid, OK 73703

$169,500

3 bd · 2.0 ba · 1,637 sqft · SingleFamily public records · 41 Days on market

Built 1962 Est $195k · 13% under

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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 +16.6/30.0
• ARV discount +13.3/15.0
• DSCR +5.1/10.0
• 1% rule +3.9/10.0
• Livability +3.2/5.0
• Rent growth +3.1/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks

Wonderful home nestled in the middle of town. Brand new vinyl and carpet was just installed! This home includes a large living room and dining room, making this home perfect for entertaining! The kitchen is open to the dining room giving it a spacious and airy feel. The bedrooms are large and conveniently located near the main bath.

Key facts

• 2 garage spots
• Listed 40 days

Property features AI

Finance

• Other: Subdivision: Hurst

Exterior

• Parking: Attached 2-car garage
• Utilities: Public water; Public sewer
• Home design: Single-family residential; Single-story (above grade finished area listed)
• Construction: Brick veneer construction
• Exterior features: Wood fencing; Composition roof; Brick veneer exterior; Residential zoning

Interior

• Flooring: Concrete
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (Natural Gas); Central air conditioning
• Interior features: Concrete flooring; Central heating and cooling

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $170k.

Deal economics

• At list price, monthly cash flow is $102 ($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 $151k (10.9% below list).
• Recommended offer: $151k (10.9% below list) — sets the bar for 1% rule.
• Cap rate 7.0% vs local median 5.0% in Enid — 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 (#212 in OK) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment C-, crime F, amenities F.
• Enid (town): math 19% / reading 22% proficiency, ranked #168 of 270 in OK (top 62%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 64% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Hoover Es (math 57% / reading 42%, grade D, #42 of 845 statewide, top 5%, 293 students, 0% FRL); Dewitt Waller Ms (math 19% / reading 27%, grade F, #120 of 345 statewide, top 35%, 735 students, 0% FRL); Enid Hs (math 14% / reading 26%, grade F, #236 of 447 statewide, top 61%, 2,252 students, 0% FRL) — zoned schools average 0% FRL vs 64% district-wide (64 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: Rents rising (+2.4%/yr); 175 active listings in the ZIP; 19 units permitted in Garfield 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 $5k of value loss. Plan a longer hold.
• Garfield County population projected at +27% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 41 days — a 3% lower offer ($164k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $106k; list at $170k implies a 59% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $151,033 (10.9% below list)

Questions for the listing agent

1. It's been on market 41 days. Have you received any prior offers? Is the seller open to a 11% concession, seller financing, or rate buy-down credit?
2. Built in 1962 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
6. 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?
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: 0.89% ✗
• Cap rate: 7.01%
• Cash-on-cash: 2.57%
• DSCR: 1.11
• GRM: 9.4

CMA / ARV

• ARV (on-the-fly): $194,803
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2906 W Broadway Ave	0.07mi	3/2.0	1,701 (+4%)	0mo	$192,000	$113	90
110 S Coolidge St	0.06mi	3/2.5	1,524 (-7%)	3mo	$206,000	$135	81
2314 W Maine St	0.42mi	3/2.0	1,616 (-1%)	4mo	$170,000	$105	75
511 Oakdale Dr	0.43mi	3/2.0	1,583 (-3%)	3mo	$210,000	$133	72
813 Canary Ln	0.64mi	3/2.0	1,626 (-1%)	2mo	$199,900	$123	68
504 Oakdale Dr	0.43mi	3/2.0	1,487 (-9%)	3mo	$220,000	$148	62
708 Canary Ln	0.58mi	3/2.0	1,548 (-5%)	2mo	$191,000	$123	62
3209 W Oklahoma Ave	0.31mi	3/2.5	1,879 (+15%)	0mo	$150,000	$80	59
926 Sunnybrook Ln	0.70mi	3/2.0	1,712 (+5%)	4mo	$118,000	$69	56
3505 Elm Pl	0.52mi	3/2.0	1,446 (-12%)	3mo	$172,000	$119	54
210 S Johnson St	0.73mi	3/2.0	1,760 (+8%)	0mo	$149,900	$85	53
2202 W Maine Ave	0.53mi	3/1.0	1,464 (-11%)	3mo	$125,000	$85	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 · 2.42% rent growth · sell at horizon

5-year hold

• IRR: -12.9%
• Equity multiple: 0.54×
• Total profit: $-21,899
• Equity at exit: $25,273

10-year hold

• IRR: -4.7%
• Equity multiple: 0.70×
• Total profit: $-14,400
• Equity at exit: $14,655

Cash invested: $47,460 (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 73703

• Rents YoY: 2.4%
• Active inventory: 175
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $1,510 medium
• Mortgage (P&I): −$889
• Tax from tax record: −$132 /mo · $1,585/yr
• Insurance: −$71
• HOA: −$0
• Vacancy / Maint / Mgmt: −$317
• Net cashflow: $102

Break-even live

Break-even rent $1,382

Max offer price $169,500

Occupancy floor 88%

Sensitivity live

Price	-10% $198	-5% $150	+0% $102	+5% $54	+10% $6
Rent	-10% $-18	-5% $42	+0% $102	+5% $161	+10% $221
Rate	-1.0pp $187	-0.5pp $145	base $102	+0.5pp $58	+1.0pp $13

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: $42,375
• Closing costs: $5,085
• Reserves months: —
• Total cash needed: —

Listing history 18 events

1. 2026-06-22
   days on market $169,500 Active 41 DOM
2. 2026-06-21
   days on market $169,500 Active 40 DOM
3. 2026-06-19
   days on market $169,500 Active 38 DOM
4. 2026-06-18
   days on market $169,500 Active 37 DOM
5. 2026-06-17
   days on market $169,500 Active 36 DOM
6. 2026-06-16
   days on market $169,500 Active 35 DOM
7. 2026-06-15
   days on market $169,500 Active 34 DOM
8. 2026-06-14
   days on market $169,500 Active 32 DOM
9. 2026-06-12
   days on market $169,500 Active 31 DOM
10. 2026-06-09
    days on market $169,500 Active 28 DOM
11. 2026-06-08
    days on market $169,500 Active 27 DOM
12. 2026-06-07
    days on market $169,500 Active 26 DOM
13. 2026-06-02
    days on market $169,500 Active 21 DOM
14. 2026-06-01
    days on market $169,500 Active 20 DOM
15. 2026-05-31
    days on market $169,500 Active 19 DOM
16. 2026-05-30
    days on market $169,500 Active 18 DOM
17. 2026-05-12
    listed $169,500 Active
18. 2014-01-13
    soldstatus $106,500

ⓘ 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: $1,585 · $132/mo
• Projected year-2 tax: $1,585 · $132/mo
• Expected delta: $0/yr ($0/mo · -0.0%)

ⓘ 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 1/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥107°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 2% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,124
• − Mortgage interest: −$9,495
• − Property taxes: −$1,585
• − Insurance: −$848
• − Repairs & maintenance: −$1,450
• − Management: −$1,450
• − Depreciation: −$4,931
• Taxable loss: −$1,634
• Est. tax savings @ 24.0%: +$392
• After-tax cash flow: $1,611/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: Enid
• NCES district ID: 4010920
• Math proficiency: 19% ▼ -11.00%
• Reading proficiency: 22% ▼ -9.00%
• Median HH income: $42,389
• Composite: 17.59/100
• National rank: #9040
• State rank: #168 of 270 in OK

Livability — Enid

• Score: 63/100
• State rank: #212
• US rank: #15472

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Enid, OK
• County: Garfield County · 55,032 people
• City population: 55,032
• Metro: Enid, OK
• Population (ZIP): 30,556
• Household income: $73,333
• Rent vs Own: 32.8% rent · 67.2% own
• Severe rent burden: 702.0

Population outlook (Garfield County) Hauer SSP2

• Today (2025): 69,026 people
• By 2030: 72,171 · +4.6%
• By 2040: 79,366 · +15.0%
• By 2050: 87,847 · +27.3%
• By 2075: 112,714 · +63.3%
• By 2100: 135,682 · +96.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (78%)
• Race & ethnicity: White 78% Hispanic / Latino 10% Two or more races 9% Black 2% Asian 2% Native American 2%
• Hispanic origin (detail): Mexican 8%
• Common ancestry: Iranian 2% Slovak 2% Serbian 1%
• Foreign-born: 4% · Canada, China
• Languages at home: 92% English-only · Spanish 5% Other Asian/Pacific 2% Chinese 1%

Political lean MEDSL · Garfield

• 2024 margin: Solid R (+53.8) · D 22.2% · R 76.0% · Other 1.8%
• 2008→2024 swing: -2.8pp toward R · 2008: -51.0pp · 2024: -53.8pp
• All cycles: 2024: R+53.8 2020: R+53.7 2016: R+53.5 2012: R+52.5 2008: R+51.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -111.61%
• Current HPI: 187.8197
• Rent YoY: ▲ 2.42%
• Metro: Enid, 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

+59.2% since first listed

2 events — show timeline

• 2026-05-12 Listed $169,500 NWOAR
• 2014-01-13 Sold (Public Records) $106,500 Public Records

Property tax history

+5.8%/yr

Latest (2025): $1,585 · +4.3% YoY. Source: county tax records.