Steve Pennington — Oklahoma City, OK
3908 NW 20th Street, Oklahoma City, OK 73107
3 BD · 2 BA · 1,558 sq ft · Built 1950
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The details
About this home
INSTANT EQUITY PLUS $2,000 in lender credit with preferred lender! This home appraised for $211K in Aug 2025. NOW Under $200K this adorable Ranch style home features stunning original hardwood floors, updated dual pane energy efficient windows, MASSIVE additional living space, double driveway, and AC replaced SUMMER 2025! Clean, updated, and spacious this property exceeds the expectations! Located in a perfect central location and tucked away on a quiet street, upon entering you are greeted by a lovely carved solid wood door and a cozy front sitting room. The Dining Room offers entry to the Kitchen and back of the house or the Primary Suite. On the front of the home are the two Secondary Bedrooms each with gorgeous hardwoods floors and ceiling fans, Full Guest Bathroom featuring tub/shower combo and hallway storage. There also an attic fan for these awesome Fall evenings! The Kitchen is a dream for those who need ample storage and counter space. Two PANTRIES! The back Living Room also holds storage galore with two closets and a space for a wood burning stove this space would make a great entertaining or study/school space. Located at the back of the home is the extra large Primary Suite. For the age of home spaces like this are rare! The Primary Bedroom holds ample space for a King furniture set with En Suite Bathroom featuring dual vanities, tub/shower combo and a Walk-In Closet. Out back you'll find a covered patio for the hot days of summer and large shade trees. The lot has plenty of space for activities, pool, or a garden. The shed stays with the home as well. Truly move in ready and located near major highways this home is the perfect place for those seeking quality, space, and location! Contact us today for your personal viewing. Let's go look!
Price history
History from MLS records since this home was listed.
How much to offer
Market context, not advice — your agent will help you decide.
If this home sells the way similar homes here did
$198,000 – $199,000
99.3% – 100.2% of the $199,000 list price
How we got this
- Similar homes in ZIP 73107 sold for a median 99.3% of their final list price (40 sales).
- 50% of them sold at or above list price.
- They took a median 21 days to go under contract and close. This home has been listed 0 days.
- Brand-new listings here often draw close to full price, so the range leans higher.
Source: MLSOK closed sales in ZIP 73107 with similar bedrooms and size, Jul 2026–Nov 2026 (40 sales). Sale-to-list uses each home's final list price. Condition, upgrades, terms and timing matter as much as price. This is not an appraisal or a valuation of this home.
Talk it through with an agentMonthly cost
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Principal, interest, taxes, insurance, and HOA.
Assumes a $199,000 price, 20% down, 30-year fixed rate at 7.24% (APR 7.24%). Includes taxes and insurance; mortgage insurance not included. APR assumed equal to the rate; actual APR will be higher with lender fees. Estimate only. Not a loan offer or commitment.
- Principal & interest
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- Property taxes
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- Home insurance
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- HOA
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Planning estimate, not a quote. Rate and insurance are editable assumptions. Taxes can change after purchase; confirm HOA dues and their frequency. Mortgage insurance, closing costs, and maintenance are not included.
Rate: Freddie Mac Primary Mortgage Market Survey 30-year fixed average for the week of Oct 29, 2026, via FRED. An average, not a quote.
Insurance: about $5,800/yr for a $300,000 Oklahoma home, scaled by price (Oklahoma average, InsuranceNewsNet and Insurify 2026 studies). Your quote depends on the home, roof, deductible and insurer.
What will insurance cost on this home?
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Liberty Link Group · licensed insurance agency
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Kurt Swink · Financial Concepts Mortgage
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Kurt Swink, NMLS #207515 · Financial Concepts Mortgage, NMLS #181632.
This is not a loan application, a rate quote, an offer of credit or a commitment to lend. Loan approval depends on the lender's review.
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Your request also goes to your Homestead & Co agent. We share only what you type here plus the general price range you were looking at.
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Listing provided courtesy of Heather Idell, Senemar & Associates ((405) 724-7003). Status: Active.
Listings courtesy of MLSOK as distributed by MLS GRID.
Based on information submitted to the MLS GRID as of Nov 5, 2026, 8:22 AM CT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website.
Properties displayed may be listed or sold by various participants in the MLS, as established by the applicable MLS Governing Documents.
The listing information provided here is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Any use or search of this data other than by a consumer looking to purchase real estate is prohibited.
Data last updated Nov 5, 2026, 8:22 AM CT. MLS # 1256876. Homestead & Co is a licensed Oklahoma real estate brokerage.
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