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642 S Mississippi St, Nowata, OK, 74048

2beds
2baths
1,952sqft
$155,000
$79price/sqft
$1,138/moest. monthly cost
$45,520/yrincome needed

About This Home

Great homestead property, Generational homestead on large corner lot in South West Nowata. Large log sided home on multiple lots with nice size living room with nook, lovely kitchen with island, custom cedar cabinets, tin ceiling, breakfast nook and dining room areas, 2 bedrooms (could easily be 3 with added closet), 2 full baths with walk-in showers, gorgeous hardwood floors, comfy gas fireplace unit, relax under the cozy covered porches, newer roof, big yard is perfect for gardening, detached 2 car garage and mow shed, basketball court, tons of parking areas, shade trees and more! Listing realtor is semi related to sellers.

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

3/10
Nowata Elementary SchoolGrades PK-50.5 mi
3/10
Nowata Middle SchoolGrades 6-80.5 mi
7/10
Nowata High SchoolGrades 9-120.5 mi

Construction

Condition

  • Year built: 1946

Materials

  • Foundation: Crawlspace,Slab
  • Roof: Asphalt,Fiberglass
  • Construction materials: Log,Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Gas Water Heater,Microwave,Oven,Range
  • Laundry features: Washer Hookup,Electric Dryer Hookup

Basement

  • Basement: None,Crawl Space

Bathroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

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

Bonus Room

  • Level: First

Dining Room

  • Level: First

Features

  • Ceramic Counters,None,Other,Wood Counters,Ceiling Fan(s),Electric Oven Connection
  • Window features: Aluminum Frames
  • Flooring: Carpet,Hardwood,Tile,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Other
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Gas,Other
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,952
  • Total interior livable area: 1,952 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bathroom

  • Level: First

Primary Bedroom

  • Level: First

Utility Room

  • Level: First

Property

Details

  • Parcel number: 103501008017000200 & 01008028000100

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Covered,Porch
  • Exterior features: Gravel Driveway,Other,Rain Gutters
  • Fencing: Barbed Wire,Partial
  • Living area range: 1750-2000 SqFt

Lot

  • Lot size: 0.69 Acres
  • Features: Corner Lot,Mature Trees

Parking

  • Total spaces: 2
  • Parking features: Carport,Detached,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Carport: 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

  • Cold Wave
    Cold WaveVery High
  • Ice Storm
    Ice StormVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Nowata 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 $783$9,396
Home Insurance $142$1,704
Property Taxes $68$816
Electricity $145$1,742
Total$1,138$13,656

Income You'd Need if You Spent...

35% on housing$39,017/yr
40% on housing$34,140/yr
45% on housing$30,346/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: 7.9%
7.9%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.5%
0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$79This listing

vs Other Active Listings

Avg $/sqft

ZIP 74048$146
Nowata County$139

vs Homes Sold Last Month

Median $/sqft

ZIP 74048
Nowata County$143

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
2026-04-15Listed for sale$165,000

For Sale by Agent

AgentCindy Folk
BrokerageChinowth & Cohen

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