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422 W Choctaw St, Garber, OK, 73738

2beds
1baths
734sqft
$69,700
$95price/sqft
$638/moest. monthly cost
$25,520/yrincome needed

About This Home

Cozy 2-Bedroom Home on a Corner Lot in Small-Town Garber! Affordable living with great potential. This 2-bedroom, 1 bath home sits on a corner lot in the quiet community of Garber and features newer windows, a detached garage, and a layout ready for your personal touch. Whether you're looking for a starter home, investment property, or a project to make your own, this one offers solid value.

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

7/10
Garber Elementary SchoolGrades PK-80.3 mi
8/10
Garber High SchoolGrades 9-120.3 mi

Construction

Condition

  • Property condition: 41 or More
  • Year built: 1940

Materials

  • Roof: Composition
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bungalow
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Laundry features: In Unit

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Features: Liv/Din Combo

Features

  • Tub/Shower
  • Window features: Storm Window(s)
  • Flooring: Wood/Raise

Interior Area

  • Total structure area: 734
  • Total interior livable area: 734 sqft

Property

Details

  • Parcel number: 240026950

Features

  • Levels: One
  • Exterior features: Living Room Entry

Lot

  • Lot size: 9,000 sqft
  • Features: Trees,Corner Lot
  • Lot size dimensions: 9,000 Sq Ft

Parking

  • Total spaces: 1
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered 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

  • Cold Wave
    Cold WaveVery High
  • Ice Storm
    Ice StormVery High
  • Tornado
    TornadoVery High
  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Garfield County and Oklahoma

Flood
Severe Storm
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 $352$4,224
Home Insurance $92$1,104
Property Taxes $50$600
Electricity $144$1,732
Total$638$7,656

Income You'd Need if You Spent...

35% on housing$21,874/yr
40% on housing$19,140/yr
45% on housing$17,013/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: 6.4%
6.4%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.2%
1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$95This listing

vs Other Active Listings

Avg $/sqft

ZIP 73738$37
Garfield County$119

vs Homes Sold Last Month

Median $/sqft

ZIP 73738$104
Garfield County$112

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
2026-04-23Listed for sale$79,900

For Sale by Agent

AgentDonna Reid
BrokerageColdwell Banker Heritage, REALTORS

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