432 N 20th St, Duncan, OK, 73533
About This Home
Listed with Bryan Fisher REMAX of Duncan. Call Bryan at 580-251-1195. For Sale – 628 N 20th St, Duncan, OK 73533 This beautifully updated home offers space, charm, and thoughtful upgrades throughout! Featuring 4 bedrooms, 2 bathrooms, 2 living areas, a den/shop, and a formal dining room, this property has room for everyone. The primary suite addition with its own bathroom creates the perfect retreat, while the flexible floor plan gives plenty of options for entertaining or quiet evenings at home. Inside, you’ll love the modern touches: All new doors & hardware- New energy-efficient windows- Impact-resistant shingles (2020)- New hot water heater (2019)- Two newer mini splits for extra comfort- New ac unit July 2026- Added blown attic insulation for low utilities- Fresh interior paint- New kitchen counter tops and master bath counter top- Updated kitchen & new main bathroom- The cozy fireplace with gas logs, combined with a back patio perfect for relaxing, makes this home extra inviting. Outside, the she shed with electricity & ceiling fan adds a unique bonus space, and a carport could easily be added to the driveway. Back yard patio is an amazing peaceful-calm-tranquil setting. Set in a nice location with lots of storage and thoughtful updates throughout, this home has been well-loved from curb to back fence. Don’t miss this opportunity to own a spacious, updated home in Duncan with so much to offer!
Getting Around
Somewhat Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: 51-99 Years,Good Condition
Materials
- Roof: Composition
- Construction materials: Brick and Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Oven/Range,Microwave,Dishwasher,Exhaust Fan,Refrigerator
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Features: Formal Dining,Breakfast Room
Features
- Family Room,Study/Den,Inside Utility,In-Law Floorplan
- Window features: Thermopane,Some Shades/Blinds
- Flooring: Some Carpeting
Heating & Cooling
- Heating features: Natural Gas,Heat Pump
- Cooling features: Electric
Interior Area
- Total structure area: 2,096
- Total interior livable area: 2,096 sqft
Property
Details
- Parcel number: 134100001002000000
Features
- Levels: One
- Patio & porch: Patio,Covered Patio
- Fencing: Fenced Yard,Wood
- Living area range: 1801-2200
Lot
- Features: Wooded,Storm Cellar,Less than 1 Acre
Parking
- Parking features: No Garage
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
- Strong Wind
- Tornado
- Cold Wave
- Hail
- Heat Wave
- Ice Storm
- Winter Weather
- Inland Flooding
- Lightning
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in Stephens County and Oklahoma
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,015 | $12,180 |
| Home Insurance | $407 | $4,884 |
| Property Taxes | $113 | $1,356 |
| Electricity | $155 | $1,871 |
| Total | $1,690 | $20,280 |
Income You'd Need if You Spent...
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-31 | Price change | $200,900 |
| 2026-05-21 | Listed for sale | $205,000 |
| 2025-09-28 | Listing removed | $199,900 |
| 2025-08-19 | Listed for sale | $199,900 |
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