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409 Ridgewood Rd, Stillwater, OK, 74074

5beds
4baths
2,681sqft
$589,000
$220price/sqft
$4,237/moest. monthly cost
$169,480/yrincome needed

About This Home

**Welcome Home to Your Dream Retreat!** Prepare to be captivated by this stunningly remodeled house that effortlessly combines luxury with comfort. Nestled on a sprawling 2.35-acre lot, this property offers a serene lifestyle surrounded by nature’s beauty, all while boasting modern amenities that make everyday living a pleasure. Step inside and be greeted by a bright and inviting open floor plan that seamlessly connects the living areas. The heart of this home is undoubtedly the brand-new kitchen, a chef's paradise designed for both functionality and style. Featuring exquisite granite countertops, custom oak cabinetry, and top-of-the-line appliances—including a GE Monogram 6-burner gas cooktop, a GE Monogram microwave/convection oven, and a Cafe' convection oven—this kitchen is perfect for culinary enthusiasts and entertainers alike. The tasteful light fixtures add a touch of sophistication, illuminating every corner. Every detail has been carefully considered in this remodel, from the new Marvin fiberglass windows that flood the home with natural light to the spray foam insulated walls that ensure energy efficiency year-round. The added convenience of a new tankless water heater means you’ll always have hot water at your fingertips, while the upgraded class 4 impact-resistant shingles provide peace of mind in stormy weather. Step outside to discover your personal oasis. The expansive back porch is a true highlight, offering both covered lounging space and sun-soaked areas, all adorned with durable, low-maintenance Trex decking designed for lifelong enjoyment. Imagine hosting summer barbecues, sipping your morning coffee, or simply unwinding after a long day, all while surrounded by the tranquility of mature trees and the soft glow of hardwired LED outdoor lighting that creates a magical ambiance at night. This property is not just a house; it’s a lifestyle. With 2.35 acres of picturesque land, you have plenty of room to explore, play, and create unforgettable memories. Whether you envision a garden oasis, a playground for children, or even a space for your pets to roam freely, the possibilities are endless. Don’t miss the opportunity to make this extraordinary property your own. With its perfect blend of modern luxury and natural beauty, this home is ready to welcome you and your family. Schedule a private showing today and experience firsthand the charm and warmth this remarkable house has to offer. Your dream home awaits!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

7/10
9/10
Stillwater Middle SchoolGrades 6-74.9 mi
9/10
Stillwater High SchoolGrades 10-127.3 mi

Construction

Condition

  • Year built: 1976

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Stone/Rock Veneer,Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Microwave,Oven,Cooktop,Range Hood,Dishwasher,Disposal

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Fireplace features: Fireplace
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced Air,Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,681
  • Total interior livable area: 2,681 sqft

Property

Details

  • Zoning description: NONE
  • Other equipment: Propane Tank Leased

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Patio
  • Fencing: Back Yard

Lot

  • Lot size: 2.50 Acres
  • Features: approx 2.5 acm/l
  • Lot size dimensions: irregular

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener
  • Has garage: Yes
  • Attached garage 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

  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Ice Storm
Tornado
Drought
Heat Wave
Strong Wind
Wildfire
Winter Weather

FEMA Declared Disasters in Payne 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 $2,978$35,736
Home Insurance $683$8,196
Property Taxes $377$4,524
Electricity $199$2,393
Total$4,237$50,844

Income You'd Need if You Spent...

35% on housing$145,268/yr
40% on housing$127,110/yr
45% on housing$112,986/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: 10.1%
10.1%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: -2.0%
-2.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$220This listing

vs Other Active Listings

Avg $/sqft

ZIP 74074$178
Payne County$148

vs Homes Sold Last Month

Median $/sqft

ZIP 74074$169
Payne County$147

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
2026-04-20Listed for sale$599,000
2018-02-15Sold$277,125

For Sale by Agent

AgentMike Lauvetz
BrokerageColdwell Banker Team Stillwater

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