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321 N 20th St, Frederick, OK, 73542

3beds
1baths
2,097sqft
$76,000
$36price/sqft
$629/moest. monthly cost
$25,160/yrincome needed

About This Home

Situated on a large corner lot, this spacious 1½-story home offers 3 bedrooms, 1 bathroom, and plenty of room to grow. The inviting living room features a cozy fireplace, while the oversized kitchen and dining area provide the perfect space for family gatherings and entertaining. The upstairs offers endless possibilities—use it as a bonus room, playroom, home office, or even a 4th bedroom. You'll also appreciate the extra storage space upstairs, giving you plenty of room to stay organized. Outside, the attached carport provides convenient covered parking with direct access to the storm cellar for added peace of mind. With its generous living space, flexible floor plan, and oversized corner lot, this home is full of potential and ready for you to make it your own!

Getting Around

16
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

9/10
7/10
Frederick Middle SchoolGrades 6-80.6 mi
7/10
Frederick High SchoolGrades 9-120.3 mi

Construction

Condition

  • Year built: 1955

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Bedrooms & Bathrooms

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

Features

  • Fireplace: Yes

Heating

  • Heating features: Fireplace(s)

Interior Area

  • Total structure area: 2,097
  • Total interior livable area: 2,097 sqft

Property

Details

  • Parcel number: 710005748

Features

  • Levels: One and One Half

Lot

  • Lot size: 10,000 sqft

Parking

  • Total spaces: 1
  • Parking features: No Garage
  • Covered spaces: 1
  • Carport: Yes
  • Carport spaces: 1

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 StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Tillman 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 $384$4,608
Home Insurance $49$588
Property Taxes $41$492
Electricity $155$1,871
Total$629$7,548

Income You'd Need if You Spent...

35% on housing$21,565/yr
40% on housing$18,870/yr
45% on housing$16,773/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: 8.3%
8.3%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.7%
1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$36This listing

vs Other Active Listings

Avg $/sqft

ZIP 73542$43
Tillman County$46

vs Homes Sold Last Month

Median $/sqft

ZIP 73542
Tillman County$138

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
2026-07-30Price change$76,000
2026-07-14Price change$80,000
2026-07-09Listed for sale$85,000
2026-01-25Listing removed$125,000
2026-01-19Listed for sale$125,000

For Sale by Agent

AgentRHONDA EUCEDA
BrokerageEXP REALTY

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