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5321 Fern Mountain Rd, Muskogee, OK, 74401

3beds
3baths
2,742sqft
$419,900
$153price/sqft
$3,218/moest. monthly cost
$128,720/yrincome needed

About This Home

FULL-BRICK HOME ON 4.8 +/- ACRES WITH POOL, GATED ENTRY, SHOP, AND ADDITIONAL LAND AVAILABLE — ONLY 1.5 MILES FROM HWY 69! Conveniently located with paved access and offering a great combination of privacy, functionality, and outdoor enjoyment, this well-maintained property sits on 4.8 +/- fully fenced acres. An additional 3.23 +/- adjoining acres are also available for purchase, creating a combined total of approximately 8 +/- acres. The home features a spacious layout with 2 living areas, formal dining room, kitchen with breakfast nook, oversized bedrooms, 2 full bathrooms, and half bath. The primary suite includes a unique built-in safe room design with 8-inch-thick walls extending into the bathroom for added peace of mind. The main living area is anchored by a gas fireplace with a 22-gallon propane tank that provides a reliable backup heat source. Recent improvements include a roof that is approximately 2 years old, 2 recently installed water heaters, newer HVAC unit, newer garage door opener, and septic system that has been updated and recently pumped. The home is all-electric and includes a generator hookup (generator not included). The garage has been fully finished and converted into additional living space, providing flexibility for a game room, home office, hobby area, or guest accommodations. Outdoor amenities include a large covered front porch, spacious back patio, mature shade trees, two producing paper shell pecan trees, and an in-ground pool with a rock waterfall, newer pumps, and a newer filter. The gated entrance and fully fenced acreage enhance both privacy and functionality while providing plenty of room for animals, recreation, projects, or simply enjoying the outdoors. Located in a quiet area with great neighbors and just minutes from Hwy 69, this property offers the space and versatility to fit a variety of lifestyles. The additional 3.23 +/- acres are available only in conjunction with the purchase of the home and may not be sold separately.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

3/10
3/10
4/10
Muskogee High SchoolGrades 9-125.6 mi

Construction

Condition

  • Year built: 1970

Materials

  • Foundation: Crawlspace
  • Roof: Asphalt,Fiberglass
  • Construction materials: Brick,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Oven,Range,Stove,Trash Compactor,Water Heater
  • Laundry features: Washer Hookup,Electric Dryer Hookup

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Laminate Counters,Ceiling Fan(s),Electric Oven Connection,Electric Range Connection
  • Door features: Storm Door(s)
  • Window features: Storm Window(s)
  • Flooring: Carpet,Laminate,Other
  • Number of fireplaces: 1
  • Fireplace features: Blower Fan,Gas Log
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Electric,Multiple Heating Units
  • Cooling features: Central Air,2 Units

Interior Area

  • Total structure area: 2,742
  • Total interior livable area: 2,742 sqft

Property

Details

  • Parcel number: 31711
  • Horse amenities: Horses Allowed

Features

  • Levels: One
  • Stories: 1
  • Pool features: Gunite,In Ground
  • Patio & porch: Patio,Porch
  • Fencing: Cross Fenced,Electric,Full
  • Horses can be raised: Yes
  • Living area range: 2500-2750 SqFt

Lot

  • Lot size: 4.80 Acres
  • Features: Corner Lot,Farm,Mature Trees,Other,Ranch

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,Garage Faces Side,Storage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Ice Storm
    Ice StormVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Muskogee County and Oklahoma

Flood
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 $2,123$25,476
Home Insurance $679$8,148
Property Taxes $213$2,556
Electricity $203$2,447
Total$3,218$38,616

Income You'd Need if You Spent...

35% on housing$110,331/yr
40% on housing$96,540/yr
45% on housing$85,813/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: 10.4%
10.4%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.9%
1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$153This listing

vs Other Active Listings

Avg $/sqft

ZIP 74401$99
Muskogee County$129

vs Homes Sold Last Month

Median $/sqft

ZIP 74401$90
Muskogee County$128

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)

Price History

DateEventPrice
2026-07-06Price change$419,900
2026-06-05Listed for sale$439,900
2025-10-08Listing removed$439,900
2025-09-22Price change$439,900
2025-08-07Listed for sale$469,900
2018-10-02Listing removed$268,800
2018-08-14Listed for sale$268,800
2016-10-13Listing removed$289,000
2016-08-17Price change$289,000
2016-07-26Listed for sale$299,000
2006-12-22Sold$199,500

For Sale by Agent

AgentTrish Ary
BrokerageKeller Williams Advantage

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