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226 D St SW, Miami, OK, 74354

2beds
1baths
1,024sqft
$69,500
$68price/sqft
$611/moest. monthly cost
$24,440/yrincome needed

About This Home

Step into this charming 2 bedroom, 1 bath home that blends comfort, convenience, and value. The large open living and dining room offers plenty of space for relaxing or entertaining, creating a warm and welcoming atmosphere from the moment you walk in. The kitchen comes fully equipped, with appliances remaining. Utility room includes a washer and dryer that stay with the home, adding everyday convenience. Outside, you'll find a 1-car carport to keep your vehicle protected, plus a storage building perfect for tools, hobbies, or extra belongings. This property offers comfort and practicality at an affordable price. Let's look today.

Getting Around

39
WalkingCar-Dependent
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

4/10
Wilson Elementary SchoolGrades PK-K0.6 mi
3/10
Miami Junior High SchoolGrades 7-91.6 mi
5/10
Miami High SchoolGrades 10-121.6 mi

Construction

Condition

  • Year built: 1927

Materials

  • Foundation: Raised

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Refrigerator

Bedrooms & Bathrooms

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

Heating & Cooling

  • Heating features: Has Heating (Unspecified Type)
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 1,024
  • Total interior livable area: 1,024 sqft

Property

Details

  • Parcel number: 352000113015000000

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 6,098 sqft
  • Lot size dimensions: 5998

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

  • Inland Flooding
    Inland FloodingVery High
  • Ice Storm
    Ice StormVery High
  • Heat Wave
    Heat WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Ottawa 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 $351$4,212
Home Insurance $82$984
Property Taxes $34$408
Electricity $144$1,732
Total$611$7,332

Income You'd Need if You Spent...

35% on housing$20,948/yr
40% on housing$18,330/yr
45% on housing$16,293/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: 9.9%
9.9%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 4.5%
4.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$68This listing

vs Other Active Listings

Avg $/sqft

ZIP 74354$83
Ottawa County$110

vs Homes Sold Last Month

Median $/sqft

ZIP 74354$98
Ottawa County$177

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
2026-08-11Price change$62,995
2026-07-28Price change$69,500
2026-07-02Listed for sale$74,500
2010-02-12Sold$35,000

For Sale by Agent

AgentPamala Waltz
BrokerageSolid Rock REALTORS - Miami

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