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819 N Lone Pine Dr, Cleveland, OK, 74020

4beds
2baths
2,078sqft
$289,000
$139price/sqft
$2,099/moest. monthly cost
$83,960/yrincome needed

About This Home

Updated home on nearly an acre with a pool! This home qualifies for zero down USDA and VA loans. If you've been searching for space, updates, and move-in ready convenience, this 4 bedroom, 2 bathroom home checks all the boxes. Situated on nearly a full acre, this spacious 2,078 sq ft home offers the room you need both inside and out. Step inside to find a functional layout featuring tile and carpet flooring, a cozy fireplace, and plenty of space for family, entertaining, or working from home with fiber internet. The major updates are already done for you with a NEW roof, HVAC system, electrical panel, aerobic septic system, and hot water heater. Outside, enjoy your fenced backyard complete with a 27’ above-ground pool and wood deck — perfect for summer gatherings, relaxing weekends, and entertaining guests. The property also features a 2-car garage PLUS a 2 car carport and plenty of outdoor space to enjoy country living while still remaining convenient to town. Located within Cleveland School District, this home offers the rare combination of a spacious yard, major recent updates, outdoor amenities, and move-in ready appeal. Homes with this much space and this many recent improvements don't last long — schedule your showing today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

5/10
Cleveland Middle SchoolGrades 6-88.2 mi
3/10
Cleveland High SchoolGrades 9-128.2 mi

Construction

Condition

  • Year built: 1978

Materials

  • Foundation: Concrete
  • Roof: Composition
  • Construction materials: Stone

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Garbage disposal,Microwave,Range / Oven,Refrigerator

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Tile,Carpet
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced air,Other,Electric
  • Cooling features: Central

Interior Area

  • Total interior livable area: 2,078 sqft

Property

Details

  • Parcel number: 045000000430000100

Features

  • Exterior features: Stone,Wood

Lot

  • Lot size: 1 Acres

Parking

  • Total spaces: 5
  • Parking features: Carport,Garage - Attached

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveVery High
  • Ice Storm
    Ice StormVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Strong Wind
Tornado
Hail
Heat Wave
Winter Weather
Inland Flooding
Landslide
Lightning

FEMA Declared Disasters in Pawnee County and Oklahoma

Fire
Severe Storm
Straight Line Winds
Tornado
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,461$17,532
Home Insurance $342$4,104
Property Taxes $142$1,704
Electricity $154$1,854
Total$2,099$25,188

Income You'd Need if You Spent...

35% on housing$71,965/yr
40% on housing$62,970/yr
45% on housing$55,973/yr

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 12.7%
12.7%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: -2.7%
-2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$139This listing

vs Other Active Listings

Avg $/sqft

ZIP 74020$86
Pawnee County$119

vs Homes Sold Last Month

Median $/sqft

ZIP 74020$118
Pawnee County$54

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-05-31Listed for sale$289,000
2023-05-15Sold$258,000
2023-04-03Pending sale$260,000
2023-02-27Listed for sale$260,000
2018-02-21Listing removed$175,000
2017-09-06Listed for sale$175,000
2009-06-12Sold$127,000

For Sale by Owner

AgentProperty Owner

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