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35748 County Road 628, Jay, OK, 74346

2beds
2baths
1,500sqft
$699,000
$466price/sqft
$4,435/moest. monthly cost
$177,400/yrincome needed

About This Home

MODERN LUXURY MEETS TRANQUIL SERENITY! This stylish contemporary home built in 2024, has all the latest technology & dramatic bold wow factor! Interior & exterior blends through walls of sliding doors & natural light. Expansive deck & detached shop w/elect & framed for 2bed/1bath guest house. 13 acres on Whitewater creek valley, w/ more acrage (10ac on Whitewater creek) available. Custom high end features like Thor appliances, Kohler intelligent bathroom spa fixtures, Monark soft close cabinets w/ Blum auto touch opening, Power Shades, Brazilian granite, statement lighting, luxury tile, flooring, composite decking, McMillian railing, Lift master wifi garage doors, instant tankless hot water, & more. Safe room, basement. 10 minutes to Grand Lake/Grove. Ask agent about 10 more acres/creek!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

3/10
7/10
Jay Middle SchoolGrades 7-85.1 mi
3/10
Jay High SchoolGrades 9-125.2 mi

Construction

Condition

  • Year built: 2024

Materials

  • Foundation: Slab

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Gas Range,Range Hood,Microwave,Refrigerator,Tankless Water Heater,Dryer,Washer

Basement

  • Has basement: Yes
  • Basement: Walk-Out Access,Finished,Full

Bedrooms & Bathrooms

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

Heating & Cooling

  • Heating features: Propane
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,500
  • Total interior livable area: 1,500 sqft

Property

Details

  • Parcel number: 210001826
  • Zoning: county

Features

  • Stories: 2
  • Patio & porch: Deck

Lot

  • Lot size: 10 Acres
  • Features: Title Insurance
  • Lot size dimensions: 435600

Parking

  • Parking features: Garage Door Opener
  • Has garage: Yes

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
  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Delaware 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 $3,534$42,408
Home Insurance $460$5,520
Property Taxes $297$3,564
Electricity $144$1,732
Total$4,435$53,220

Income You'd Need if You Spent...

35% on housing$152,057/yr
40% on housing$133,050/yr
45% on housing$118,266/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: 9.1%
9.1%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 5.0%
5.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$466This listing

vs Other Active Listings

Avg $/sqft

ZIP 74346$335
Delaware County$228

vs Homes Sold Last Month

Median $/sqft

ZIP 74346
Delaware County$205

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
2026-03-07Price change$750,000
2026-02-09Price change$775,000
2026-01-07Price change$789,000
2025-12-15Price change$799,000
2025-06-06Listed for sale$849,000

For Sale by Agent

AgentJulie Pace
BrokerageGrand Lake Real Estate Professionals

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