3725 SW 25th St · Oklahoma City, OK 73108

$99,900

3 bd · 2.0 ba · 1,264 sqft · SingleFamily public records · 1 Days on market

Built 1950 7,000 sqft lot Est $147k · 32% under

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Why this score? — see what drove the B+ 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 +29.5/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +7.5/10.0
• Appreciation +7.5/10.0
• Livability +4.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +0.7/10.0

Listing remarks

Charming 3-bedroom home offering great potential and a functional layout in an established neighborhood—now with several key updates already done for you! Enjoy peace of mind with a roof less than 6 months old, fresh interior paint, central heat & air less than a year old, and a kitchen stove also under a year old. Step inside to a welcoming living area filled with natural light, leading into a spacious kitchen with ample cabinet storage and room to make it your own. The home offers three comfortable bedrooms, 1.5 baths, and a dedicated laundry area for added convenience. Outside, you’ll find a generous yard with plenty of space for entertaining, pets, or future improvemen

Key facts

• Generous yard
• Fresh interior paint
• 7,000 sq ft lot

Tags

• ROOF LESS THAN 6 MONTHS OLD
• FRESH INTERIOR PAINT
• KITCHEN STOVE UNDER A YEAR OLD
• GENEROUS YARD

Property features AI

Finance

• Other: Property is existing (not new construction); No storm shelter; Vacant and not occupied; No home warranty; Listing price: $99,900 (as listed)
• Financial info: Assumable status: Unknown; Loan qualification: Unknown
• HOA & community: No mandatory association dues

Exterior

• Parking: Concrete parking
• Utilities: Electricity available; Natural gas available; Public utilities
• Home design: Single family residence; One level; Residential property
• Construction: Brick and frame construction; Composition roof; Conventional foundation
• Exterior features: Covered porch; Interior lot

Interior

• Kitchen: Free-standing gas range/oven
• Bedrooms: 3 bedrooms
• Flooring: Combination flooring; Tile; Vinyl; Wood
• Bathrooms: 1 full bathroom; 1 half bathroom
• Interior features: Ceiling fan(s)

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $358 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Cap rate 10.6% vs local median 3.7% in Oklahoma City — 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 80/100 on livability (#3 in OK, #1,635 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: crime F.
• Oklahoma City (urban): math 7% / reading 10% proficiency, ranked #254 of 270 in OK (top 94%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 82% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Rockwood Es (math 2% / reading 2%, grade F, #802 of 845 statewide, top 100%, 527 students, 0% FRL); Northwest Classen Hs (math 5% / reading 10%, grade F, #420 of 447 statewide, top 95%, 1,702 students, 0% FRL) — zoned schools average 0% FRL vs 82% district-wide (82 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: 79 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals leasing fast (median 4d on market — plan ~1-2 weeks tenant-placement turnaround); 5,365 units permitted in Oklahoma County in 2024 (569 in 5+ unit buildings).

Forward outlook

• In year one you build about $6k of equity ($691 loan paydown + $5k appreciation (4.9% local appreciation)).
• Oklahoma County population projected at +41% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (4.9% appreciation + 3.0% rent growth), your $28k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 6, paydown + projected appreciation supports a ~$30k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 19y 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 $52k; list at $100k implies a 90% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1950 — expect roof / HVAC / electrical / plumbing capex.
• 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 $99,900

Questions for the listing agent

1. Built in 1950 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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?
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: 1.25% ✓
• Cap rate: 10.60%
• Cash-on-cash: 15.37%
• DSCR: 1.68
• GRM: 6.6

CMA / ARV

• ARV (on-the-fly): $146,624
• Comps found: 9

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3725 SW 25th St	0.00mi	3/1.5	1,264 (0%)	1mo	$99,900	$79	97
3812 SW 24th St	0.10mi	3/1.0	1,196 (-5%)	8mo	$149,999	$125	76
4024 SW 23rd St	0.38mi	3/2.0	1,333 (+6%)	9mo	$155,000	$116	66
3149 SW 23rd St	0.69mi	3/2.0	1,276 (+1%)	13mo	$166,920	$131	56
3205 SW 20th St	0.74mi	3/2.0	1,179 (-7%)	5mo	$90,500	$77	50
2316 S Goff Ave	0.38mi	3/1.0	1,408 (+11%)	20mo	$123,600	$88	43
3200 S Stults Ave	0.61mi	3/1.0	1,076 (-15%)	1mo	$137,800	$128	42
3133 SW 27th St	0.73mi	3/1.0	1,184 (-6%)	16mo	$155,000	$131	38
3409 S Liberty Ave	0.66mi	4/2.0 (+1)	1,400 (+11%)	17mo	$146,000	$104	32

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

4.94% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 26.0%
• Equity multiple: 2.63×
• Total profit: $45,469
• Equity at exit: $56,232

10-year hold

• IRR: 25.1%
• Equity multiple: 5.21×
• Total profit: $117,884
• Equity at exit: $96,736

Cash invested: $27,972 (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 73108

• Home prices YoY: 1.7%
• Active inventory: 79
• Price-to-rent: 6.6×

Monthly cashflow live

• Estimated rent: $1,253 high
• Mortgage (P&I): −$524
• Tax from tax record: −$66 /mo · $794/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$263
• Net cashflow: $358

Break-even live

Break-even rent $800

Max offer price $99,900

Occupancy floor 66%

Sensitivity live

Price	-10% $415	-5% $387	+0% $358	+5% $330	+10% $302
Rent	-10% $259	-5% $309	+0% $358	+5% $408	+10% $457
Rate	-1.0pp $409	-0.5pp $384	base $358	+0.5pp $332	+1.0pp $306

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: $24,975
• Closing costs: $2,997
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2904 S Portland Ave Oklahoma City, OK	3.0	1.0	1000	$1,150	$1.15	44d	1	0.26mi
3416 S Liberty Ave Oklahoma City, OK	3.0	2.0	1400	$1,195	$0.85	3d	1	0.69mi
3200 SW 20th St Oklahoma City, OK	3.0	1.0	1032	$1,000	$0.97	21d	1	0.75mi
2921 SW 28th St Oklahoma City, OK	3.0	1.0	1125	$1,490	$1.32	44d	1	1.06mi
2922 SW 19th St Oklahoma City, OK	3.0	1.0	1056	$1,350	$1.28	3d	1	1.09mi
3705 SW 44th St Oklahoma City, OK	3.0	2.0	1224	$1,541	$1.26	3d	1	1.31mi
3041 SW 40th Pl Oklahoma City, OK	3.0	2.0	1524	$1,550	$1.02	3d	1	1.36mi

Listing history 7 events

1. 2026-05-06
   status Pending
2. 2026-05-04
   listed $99,900 Active
3. 2008-10-03
   historical
4. 2008-01-08
   listed $69,900
5. 2007-12-20
   historical
6. 2007-07-25
   listed $63,900
7. 2007-05-15
   soldstatus $52,500

ⓘ 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: $794 · $66/mo
• Projected year-2 tax: $899 · $75/mo
• Expected delta: +$106/yr (+$9/mo · 13.3%)

ⓘ 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 6/10 Major 7 d/yr ≥107°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 3% 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: $15,037
• − Mortgage interest: −$5,596
• − Property taxes: −$794
• − Insurance: −$500
• − Repairs & maintenance: −$1,203
• − Management: −$1,203
• − Depreciation: −$2,906
• Taxable income: $2,836
• Est. tax owed @ 24.0%: −$681
• After-tax cash flow: $3,619/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: Oklahoma City
• NCES district ID: 4022770
• Math proficiency: 7% ▼ -5.00%
• Reading proficiency: 10% ▼ -6.00%
• Median HH income: $35,606
• Composite: 7.0/100
• National rank: #9970
• State rank: #254 of 270 in OK

Livability — Oklahoma City

• Score: 80/100
• State rank: #3
• US rank: #1635

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Oklahoma City, OK
• City population: 498,656
• Population (ZIP): 15,239

Population outlook (Oklahoma County) Hauer SSP2

• Today (2025): 911,875 people
• By 2030: 982,413 · +7.7%
• By 2040: 1,130,468 · +24.0%
• By 2050: 1,288,422 · +41.3%
• By 2075: 1,711,482 · +87.7%
• By 2100: 2,088,448 · +129.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority Hispanic (65%)
• Race & ethnicity: Hispanic / Latino 65% Two or more races 28% White 20% Black 8% Native American 7%
• Hispanic origin (detail): Mexican 59% Puerto Rican 1%
• Common ancestry: Italian 1%
• Foreign-born: 27% · Canada
• Languages at home: 46% English-only · Spanish 52%

Political lean MEDSL · Oklahoma

• 2024 margin: Toss-up / Even · D 48.0% · R 49.7% · Other 2.3%
• 2008→2024 swing: +15.1pp toward D · 2008: -16.8pp · 2024: -1.7pp
• All cycles: 2024: R+1.7 2020: R+1.1 2016: R+10.5 2012: R+16.7 2008: R+16.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 4.94%
• Current HPI: 293.2571
• 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

+90.3% since first listed

7 events — show timeline

• 2026-05-06 Pending — MLSOK
• 2026-05-04 Listed $99,900 MLSOK
• 2008-10-03 Listing Removed — MLSOK
• 2008-01-08 Listed $69,900 MLSOK
• 2007-12-20 Listing Removed — MLSOK
• 2007-07-25 Listed $63,900 MLSOK
• 2007-05-15 Sold (Public Records) $52,500 Public Records

Property tax history

+3.2%/yr

Latest (2025): $794 · +4.4% YoY. Source: county tax records.