1724 Haynie Ln · Prague, OK 74864

$77,500

3 bd · 2.0 ba · 1,076 sqft · SingleFamily public records · 27 Days on market

Built 1961 0.38 ac lot Est $127k · 39% under

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Why this score? — see what drove the A- 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 +30.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• Appreciation +9.4/10.0
• 1% rule +8.3/10.0
• Livability +3.2/5.0
• Schools +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

FIXER UPPER OPPORTUNITY! 3 Bedroom, 1½ Bath home with tons of potential! Features include a large fenced backyard, 1-car garage, and plenty of space to make it your own. Perfect for investors, first-time buyers, or anyone looking for a project with great possibilities. Roof 2025 Don’t miss this chance to turn this property into something special!

Key facts

• 0.38 acre lot
• Garage
• Built 1961

Tags

• LARGE FENCED BACKYARD

Property features AI

Finance

• Other: Listed as active; Living area reported as 1,076 (assessor)
• Financial info: Property not assumable; Loan qualifying not available
• HOA & community: No mandatory association dues

Exterior

• Parking: 1-car garage
• Home design: Single-family residence; One level; Residential property; Existing construction
• Construction: Composition roof; Other construction materials; Conventional foundation
• Exterior features: Interior lot; Outdoor storm shelter; No other exterior features listed

Interior

• Bedrooms: 3 bedrooms
• Bathrooms: 1 full bath, 1 half bath
• Interior features: One living area; No fireplace

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $78k.

Deal economics

• At list price, monthly cash flow is $321 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $78k).
• Recommended offer: $76k (1.5% below list) — sets the bar for market timing.
• Cap rate 11.3% vs local median 3.6% in Prague — 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 (#197 in OK) — a middle-class / working-renter tenant base. Strengths: cost of living A+, crime B+; Watch: housing C-, amenities F, commute F.
• Prague (rural): math 31% / reading 36% proficiency, ranked #45 of 270 in OK (top 17%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Prague Es (math 44% / reading 42%, grade F, #80 of 845 statewide, top 10%, 534 students, 0% FRL); Prague Hs (math 24% / reading 34%, grade F, #96 of 447 statewide, top 26%, 321 students, 0% FRL) — zoned schools average 0% FRL vs 49% district-wide (49 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: 46 active listings in the ZIP; 19 units permitted in Lincoln County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $7k of equity ($536 loan paydown + $7k appreciation (8.9% local appreciation)).
• At projected returns (8.9% appreciation + 3.0% rent growth), your $22k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 5, paydown + projected appreciation supports a ~$34k 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 ($76k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $40k; list at $78k implies a 94% gain — meaningful room to come down on a strong offer.

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 $76,337 (1.5% below list)

Questions for the listing agent

1. Built in 1961 — 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 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?
4. 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.
5. 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.
6. 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: 1.33% ✓
• Cap rate: 11.26%
• Cash-on-cash: 17.73%
• DSCR: 1.79
• GRM: 6.3

CMA / ARV

• ARV (on-the-fly): $126,968
• Comps found: 11

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1415 N Jim Thorpe Blvd	0.23mi	3/1.5	1,056 (-2%)	8mo	$112,000	$106	77
1810 Haynie Ln	0.04mi	3/1.5	1,184 (+10%)	9mo	$140,000	$118	72
1411 Brunson Ave	0.28mi	3/1.0	1,033 (-4%)	6mo	$147,000	$142	71
1429 Pastusek Ave	0.29mi	3/2.0	1,120 (+4%)	13mo	$98,000	$88	69
1505 Pastusek Ave	0.26mi	2/1.0 (-1)	1,024 (-5%)	8mo	$115,000	$112	64
1621 Mitacek Ave	0.15mi	3/2.0	1,210 (+12%)	14mo	$177,000	$146	61
1216 N Jim Thorpe Blvd	0.37mi	2/1.0 (-1)	1,049 (-2%)	13mo	$155,000	$148	59
1202 13th St	0.43mi	2/1.0 (-1)	1,048 (-3%)	17mo	$112,100	$107	52
1223 Glenwood Dr	0.62mi	3/1.5	1,202 (+12%)	1mo	$170,000	$141	48
1016 Brunson Ave	0.54mi	2/1.0 (-1)	1,080 (+0%)	21mo	$139,500	$129	48
209 E Main	0.57mi	2/1.0 (-1)	1,200 (+12%)	12mo	$60,000	$50	35

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

Projected returns pro-forma

8.87% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 35.5%
• Equity multiple: 3.61×
• Total profit: $56,720
• Equity at exit: $63,545

10-year hold

• IRR: 31.1%
• Equity multiple: 7.90×
• Total profit: $149,799
• Equity at exit: $130,866

Cash invested: $21,700 (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 74864

• Home prices YoY: 2.8%
• Active inventory: 46
• Price-to-rent: 6.3×

Monthly cashflow live

• Estimated rent: $1,029 medium
• Mortgage (P&I): −$406
• Tax from tax record: −$53 /mo · $639/yr
• Insurance: −$32
• HOA: −$0
• Vacancy / Maint / Mgmt: −$216
• Net cashflow: $321

Break-even live

Break-even rent $623

Max offer price $77,500

Occupancy floor 64%

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: $19,375
• Closing costs: $2,325
• Reserves months: —
• Total cash needed: —

Listing history 14 events

1. 2026-06-15
   statusdays on market $77,500 Pending 27 DOM
2. 2026-06-14
   days on market $77,500 Active 26 DOM
3. 2026-06-12
   pricedays on market $77,500 Active 25 DOM
4. 2026-06-09
   days on market $85,000 Active 22 DOM
5. 2026-06-08
   days on market $85,000 Active 21 DOM
6. 2026-06-07
   days on market $85,000 Active 20 DOM
7. 2026-06-05
   days on market $85,000 Active 17 DOM
8. 2026-06-02
   days on market $85,000 Active 15 DOM
9. 2026-06-01
   days on market $85,000 Active 14 DOM
10. 2026-05-31
    days on market $85,000 Active 13 DOM
11. 2026-05-30
    days on market $85,000 Active 12 DOM
12. 2026-05-18
    listed $85,000 Active
13. 2005-06-10
    soldstatus $40,000
14. 1993-11-09
    soldstatus $18,000

ⓘ 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: $639 · $53/mo
• Projected year-2 tax: $698 · $58/mo
• Expected delta: +$58/yr (+$5/mo · 9.2%)

ⓘ 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 8/10 Severe
• 🌡 Heat 5/10 Major 7 d/yr ≥110°F today · 19 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 7% 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: $12,343
• − Mortgage interest: −$4,341
• − Property taxes: −$639
• − Insurance: −$388
• − Repairs & maintenance: −$987
• − Management: −$987
• − Depreciation: −$2,255
• Taxable income: $2,746
• Est. tax owed @ 24.0%: −$659
• After-tax cash flow: $3,188/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: Prague
• NCES district ID: 4024930
• Math proficiency: 31% ▼ -13.00%
• Reading proficiency: 36% ▼ -8.00%
• Median HH income: $47,676
• Composite: 28.87/100
• National rank: #6643
• State rank: #45 of 270 in OK

Livability — Prague

• Score: 63/100
• State rank: #197
• US rank: #15000

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Prague, OK
• Population (ZIP): 4,803

Population outlook (Lincoln County) Hauer SSP2

• Today (2025): 36,104 people
• By 2030: 36,435 · +0.9%
• By 2040: 36,696 · +1.6%
• By 2050: 36,216 · +0.3%
• By 2075: 35,057 · -2.9%
• By 2100: 31,333 · -13.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (80%)
• Race & ethnicity: White 80% Two or more races 8% Native American 7% Hispanic / Latino 6%
• Hispanic origin (detail): Mexican 3%
• Common ancestry: Italian 2% Serbian 1% Slovak 1%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · Lincoln

• 2024 margin: Solid R (+63.3) · D 17.5% · R 80.8% · Other 1.7%
• 2008→2024 swing: -13.4pp toward R · 2008: -49.8pp · 2024: -63.3pp
• All cycles: 2024: R+63.3 2020: R+63.2 2016: R+60.1 2012: R+49.0 2008: R+49.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 8.87%
• Current HPI: 325.0194
• 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

+372.2% since first listed

3 events — show timeline

• 2026-05-18 Listed $85,000 MLSOK
• 2005-06-10 Sold (Public Records) $40,000 Public Records
• 1993-11-09 Sold (Public Records) $18,000 Public Records

Property tax history

+4.3%/yr

Latest (2025): $639 · +9.2% YoY. Source: county tax records.