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108 Harth Ave, Ponca City, OK, 74601

3beds
1baths
1,861sqft
$165,000
$89price/sqft
$1,460/moest. monthly cost
$58,400/yrincome needed

About This Home

3 bedroom 1 bath country home on 2 acres needs a little TLC with huge potential. Large Living and Dining areas with nice sized eat-in kitchen and huge mud room. Hard wood floors, built-ins and cellar/storm shelter. You'll enjoy the peace of country living with the convenience of close-in amenities. 40X30 Shop building is insulated with heat, overhead door, bar, bathroom and pool table. Security cameras stay, as well as appliances. Fully fenced with aerobic system and well water.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

2/10
5/10
4/10
Ponca City High SchoolGrades 9-124.5 mi

Construction

Condition

  • Property condition: 41 or More
  • Year built: 1925

Materials

  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Freestand O/R,Dishwasher,Refrigerator
  • Laundry features: In Unit

Basement

  • Has basement: Yes

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Features: Formal,Kit/Din Combo

Features

  • Ceiling Fan(s),Tub/Shower
  • Door features: Storm Door(s)
  • Window features: Vinyl/Replacement Window
  • Flooring: Hardwood,Wood/Raise

Heating & Cooling

  • Heating features: Central
  • Cooling features: Electric

Interior Area

  • Total structure area: 1,861
  • Total interior livable area: 1,861 sqft

Property

Details

  • Parcel number: 360025740

Features

  • Levels: Basement,One
  • Exterior features: Rain Gutters,Central Entry,Living Room Entry
  • Fencing: Chain Link,Other

Lot

  • Lot size: 2 Acres
  • Features: Interior Lot
  • Lot size dimensions: 2 Acres

Parking

  • Parking features: Garage Door Opener,Opener Control(s)

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 WaveVery High
  • Ice Storm
    Ice StormVery High
  • Tornado
    TornadoVery High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Wildfire
    WildfireRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Kay 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 $834$10,008
Home Insurance $392$4,704
Property Taxes $90$1,080
Electricity $144$1,732
Total$1,460$17,520

Income You'd Need if You Spent...

35% on housing$50,057/yr
40% on housing$43,800/yr
45% on housing$38,933/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: 6.2%
6.2%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.3%
-0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$89This listing

vs Other Active Listings

Avg $/sqft

ZIP 74601$74
Kay County$91

vs Homes Sold Last Month

Median $/sqft

ZIP 74601$74
Kay County$89

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
2026-03-01Listed for sale$210,000
2015-10-14Sold$112,500

For Sale by Agent

AgentMary Beth Moore
BrokerageColdwell Banker Heritage, REALTORS

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