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109 S Jerome St, Coalgate, OK, 74538

3beds
2baths
1,112sqft
$149,999
$135price/sqft
$1,154/moest. monthly cost
$46,160/yrincome needed

About This Home

1,112 sq ft | 3 Bedrooms | 2 Bathrooms 240 sq ft garage + carport Large backyard Cellar Situated on a 0.32-acre lot Almost fully updated in 2024: • Brand new interior & exterior doors • New trim throughout • new Tile flooring throughout whole house • New light fixtures • Complete kitchen remodel • Brand new hot water tank (2025)

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

5/10
Emerson Elementary SchoolGrades PK-60.5 mi
4/10
6/10
Coalgate High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1975

Notable Dates

  • Major remodel year: 2024

Type & Style

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

Interior

Basement

  • Area: 0

Bedrooms & Bathrooms

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

Features

  • Finished area above ground: 1,112

Heating

  • Heating features: Has Heating (Unspecified Type)

Interior Area

  • Total structure area: 1,112
  • Total interior livable area: 1,112 sqft

Property

Details

  • Parcel number: 10150089B004000100
  • Lease amount: 0

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

  • Hail
    HailVery High
  • Ice Storm
    Ice StormVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Wildfire
    WildfireRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Coal 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 $758$9,096
Home Insurance $200$2,400
Property Taxes $52$624
Electricity $144$1,732
Total$1,154$13,848

Income You'd Need if You Spent...

35% on housing$39,565/yr
40% on housing$34,620/yr
45% on housing$30,773/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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 9.4%
9.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$135This listing

vs Other Active Listings

Avg $/sqft

ZIP 74538$320
Coal County$297

vs Homes Sold Last Month

Median $/sqft

ZIP 74538
Coal County$162

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
2026-03-06Price change$149,999
2026-01-29Listed for sale$165,000

For Sale by Agent

AgentLindsay Gaylor
BrokerageCoffee-Haney Auction and Real Estate

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