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422 S Highland St, Ada, OK, 74820

4beds
3baths
3,194sqft
$339,000
$106price/sqft
$2,537/moest. monthly cost
$101,480/yrincome needed

About This Home

TIMELESS CHARM ON A CORNER LOT JUST SECONDS FROM ECU! Welcome to this brick home on S Highland, where character and craftsmanship take center stage. Situated on a spacious corner lot spanning approximately three lot sizes, this property offers both presence and room to breathe, all just seconds from East Central University. From the moment you walk in, you’re greeted by warm wood floors, rich details, and a beautiful staircase that makes a statement all on its own. The main living spaces are filled with natural light from large windows, creating an inviting atmosphere throughout the spacious living and dining areas. Two fireplaces add both charm and comfort, making this home feel cozy yet refined. The layout offers versatility with a dedicated office space and generously sized bedrooms, including three upstairs with large closets and a full bath. Downstairs, the basement provides additional living and entertaining space complete with a bar area, its own bathroom, and a convenient pull waiter. The kitchen brings personality with its bright, cheerful design and functional layout, while the overall home maintains that rare, well-preserved character you just don’t find every day. If you’ve been looking for a home with soul, space, a standout lot, and a prime location—this one delivers.

Getting Around

46
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

4/10
Hayes Elementary SchoolGrades 1-20.3 mi
6/10
Ada Junior High SchoolGrades 7-91.0 mi
7/10
Ada High SchoolGrades 10-120.8 mi

Construction

Condition

  • Year built: 1928

Materials

  • Foundation: Basement
  • Roof: Shingle,Wood
  • Construction materials: Brick,Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Gas Water Heater,Ice Maker,Oven,Range
  • Laundry features: Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Other,Ceiling Fan(s),Electric Oven Connection,Electric Range Connection
  • Window features: Vinyl
  • Flooring: Carpet,Wood
  • Number of fireplaces: 2
  • Fireplace features: Gas Log,Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,194
  • Total interior livable area: 3,194 sqft

Property

Details

  • Parcel number: 016000012003000100

Features

  • Levels: Three Or More
  • Stories: 3
  • Pool features: None
  • Patio & porch: Enclosed,Porch
  • Exterior features: Rain Gutters
  • Fencing: None

Lot

  • Lot size: 0.27 Acres
  • Features: Corner Lot

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

  • Ice Storm
    Ice StormVery High
  • Lightning
    LightningVery High
  • Tornado
    TornadoVery High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Pontotoc 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 $1,714$20,568
Home Insurance $417$5,004
Property Taxes $169$2,028
Electricity $237$2,851
Total$2,537$30,444

Income You'd Need if You Spent...

35% on housing$86,982/yr
40% on housing$76,110/yr
45% on housing$67,653/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: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 3.2%
3.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$106This listing

vs Other Active Listings

Avg $/sqft

ZIP 74820$121
Pontotoc County$148

vs Homes Sold Last Month

Median $/sqft

ZIP 74820$133
Pontotoc County$137

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
2026-04-03Listed for sale$399,000

For Sale by Agent

AgentLoretta Bush
BrokerageHome Place Real Estate

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