512 N Francis St, Ada, OK, 74820
About This Home
COZY 2-BED COTTAGE NEAR ECU WITH PICKET FENCE & EASY-CARE YARD IN ADA Looking for a simple, low-maintenance home close to East Central University and everyday needs? This 2-bed, 1-bath cottage at 512 N Francis Street offers a cozy place to land in Ada with quick access to campus, shops, and dining. Built in 1920 and thoughtfully updated over time, this home blends charm with comfort. Central heat and air keep things steady year-round. Inside, soft pastel touches—like a baby blue bathroom and light pink accents—give the home a warm, inviting feel. It has a fun, relaxed vibe that feels easy to live in. The spirit of the home is light, cheerful, and cozy. Step outside to a wood picket fence and a side yard that is larger than the back—great for a small garden, pets, or a quiet place to unwind. The lot size keeps yard work simple while still giving you room to enjoy the outdoors. Recent updates include some siding replacement, fresh paint, and a new shower surround. Utilities include OG&E electric, Summit Gas, City of Ada water/sewer/trash, and Sparklight internet. Nearby: East Central University, Willard Elementary, local parks, and main roads for an easy commute across Ada. Priced at $120,000, with the seller open to all loan types, including options often used by first-time buyers. IF YOU WANT A HOME THAT FEELS EASY, BRIGHT, AND CLOSE TO EVERYTHING, THIS ONE IS WORTH A LOOK.
Getting Around
Somewhat Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1920
Materials
- Foundation: Crawlspace
- Roof: Asphalt,Fiberglass
- Construction materials: HardiPlank Type,Wood Siding,Wood Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Craftsman
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Gas Water Heater,Oven,Range,Refrigerator,Stove,Washer
- Laundry features: Washer Hookup,Electric Dryer Hookup
Basement
- Basement: None,Crawl Space
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Features
- High Speed Internet,Laminate Counters,Cable TV,Ceiling Fan(s),Electric Oven Connection,Electric Range Connection
- Window features: Aluminum Frames
- Flooring: Vinyl
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air
Interior Area
- Total structure area: 790
- Total interior livable area: 790 sqft
Property
Details
- Parcel number: 005500006005000500
Features
- Levels: One
- Stories: 1
- Pool features: None
- Patio & porch: Covered,Patio,Porch
- Exterior features: Dirt Driveway
- Fencing: Partial,Privacy
- Living area range: 750-1000 SqFt
Lot
- Lot size: 2,482 sqft
- Features: Mature Trees
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
- Lightning
- Tornado
- Hail
- Heat Wave
- Strong Wind
- Winter Weather
- Cold Wave
How This Home’s Risks Compare
FEMA Declared Disasters in Pontotoc County and Oklahoma
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $555 | $6,660 |
| Home Insurance | $135 | $1,620 |
| Property Taxes | $54 | $648 |
| Electricity | $144 | $1,732 |
| Total | $888 | $10,656 |
Income You'd Need if You Spent...
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-26 | Listed for sale | $120,000 |
| 2023-06-09 | Sold | $104,000 |
| 2023-04-29 | Pending sale | $99,900 |
| 2023-04-28 | Listed for sale | $99,900 |
| 2022-04-30 | Sold | $89,500 |
| 2022-03-09 | Pending sale | $89,500 |
| 2022-02-12 | Listed for sale | $89,500 |
| 2020-12-29 | Sold | $35,000 |
| 2020-08-05 | Listed for sale | $35,000 |
| 2019-07-11 | Pending sale | $35,000 |
| 2019-06-10 | Listed for sale | $35,000 |
| 2013-03-21 | Sold | $32,500 |
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