12709 NE 36th St, Spencer, OK 73084

3 bd · 2 ba · 696 sqft · built 1955 · Spencer · SINGLE_FAMILY·source listing ↗

$39,900

rent, three ways

OnePercent model (vv1)$1,762/mo

p10–p90 confidence band

HUD Fair Market Rent · 73084 · 3BR

$1,750/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

the verdict

4.42%vs 1.0% target

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

$39,900

4.42% · rent $1,762

Intrinsic value · income approach

$139,216

71% 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.