9205 NE 45th St, Spencer, OK 73084

4 bd · 1.5 ba · 1,308 sqft · built 1963 · Spencer · SINGLE_FAMILY·source listing ↗

$129,900

$140,000 first listed

seller intel

Price cut

−7.2%

from $140,000

Motivation score

37/100

OnePercent model (vv1)$2,075/mo

p10–p90 confidence band

HUD Fair Market Rent · 73084 · 4BR

the verdict

1.60%vs 1.0% target

financing: 20% down · — (FRED, live) · 30yr

$129,900

1.60% · rent $2,075

$1,940/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

County

Oklahoma

Flood risk indexRelatively Low FEMA NRI

Median household income$54,375

Median area rent$838/mo

Median home value$141,600

Intrinsic value · income approach

$163,916

21% below intrinsic value

Value = net operating income ÷ market cap rate. Not investment advice.

Ten-year owner return

Equity multiple, per-year cash flow, and appreciation modeling are a Pro feature.