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103 S Dunlap St, Cleveland, OK, 74020

5beds
1baths
2,040sqft
$54,990
$27price/sqft
$521/moest. monthly cost
$20,840/yrincome needed

About This Home

Historical five bedroom one bathroom home is ready for your renovations and updates. Unique two story home located on the quiet side of Keystone Lake in the city of Cleveland, Oklahoma. Nearby public hunting and fishing provide the lake life you've been dreaming of. Updated roof and huge layout, five spacious bedrooms, additional features include a storage shed near the fully fenced backyard and an in ground storm shelter. Turn this in to your next dream home or this could make a great duplex rental with a few upgrades. The boat ramp on Keystone Lake is less than one mile away, and only a thrity minute drive to Tulsa. Call or click the listing agent and book your private showing today!

Getting Around

40
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

5/10
Cleveland Middle SchoolGrades 6-81.0 mi
3/10
Cleveland High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 1920

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: Gas Dryer Hookup

Basement

  • Basement: None,Crawl Space

Bathroom

  • Level: First

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Level: First

Features

  • Other
  • Window features: Wood Frames
  • Flooring: Carpet,Hardwood,Laminate,Plywood,Tile

Heating & Cooling

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

Interior Area

  • Total structure area: 2,040
  • Total interior livable area: 2,040 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 200100009003000100

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Covered,Porch
  • Exterior features: Rain Gutters
  • Fencing: Chain Link
  • Living area range: 2000-2250 SqFt

Lot

  • Lot size: 0.28 Acres
  • Features: Other

Parking

  • Total spaces: 2
  • Parking features: Boat,Carport,Detached,Garage,RV Access/Parking,Storage
  • 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
  • Tornado
    TornadoVery High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Pawnee County and Oklahoma

Fire
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 $278$3,336
Home Insurance $65$780
Property Taxes $27$324
Electricity $151$1,821
Total$521$6,252

Income You'd Need if You Spent...

35% on housing$17,862/yr
40% on housing$15,630/yr
45% on housing$13,893/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: 12.7%
12.7%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: -2.7%
-2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$27This listing

vs Other Active Listings

Avg $/sqft

ZIP 74020$100
Pawnee County$124

vs Homes Sold Last Month

Median $/sqft

ZIP 74020$118
Pawnee County$54

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
2026-05-02Price change$69,500
2026-03-15Price change$77,500
2026-02-08Price change$82,500
2025-11-20Price change$87,500
2025-10-02Price change$91,500
2025-08-02Price change$94,000
2025-07-03Listed for sale$99,000

For Sale by Agent

AgentChristen Norris
BrokerageSolid Rock, REALTORS

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