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Single Family ResidenceResidential
$198,941$82 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

109 E HOWARD ST

ROLAND, OK 74954
3
Beds
2
Baths
2,426 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1 ac
Lot SizeThe size of the land the home sits on, from county records.
1980
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$199K
$189K low$209K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$198,941
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$159,153

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,090 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$13,252 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$1,331
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$11,921
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$12,868
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$192,900

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.61
67
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
70
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
90
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
76
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
3
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.23 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Traditional/Old
CountySequoyah
Lot (acres)The size of the land the home sits on, from county records.1.00
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 176 ft²Porch · 852 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Roland High SchoolC-
High · Grades 9–12 · 0.8 mi
M
Roland Middle SchoolB
Middle · Grades 6–8 · 0.9 mi
E
Roland Elementary SchoolB+
Elementary · Grades PK–5 · 1.0 mi

District: Roland Public Schools

Neighborhood · ZIP 74954These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.88
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.108
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.43

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.4,367
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.214 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$49,509
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$58,670
Average tempThe average temperature here across a full year.61°F
Annual precipHow much rain and melted snow falls here in a typical year.46 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.62%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 E Howard St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 68% of homes in Roland 74954
  • Costs less per square foot than 87% of homes in Roland 74954
  • Bigger than 92% of homes in Roland 74954
  • Has a bigger lot than 73% of homes in Roland 74954

What homes are worth in Roland 74954

Each bar is how many homes fall in that price range. The marker is this home.

This home
$55K$444K

This home is worth more than 68% of homes in Roland 74954.

How it measures up in Roland 74954

The dot is this home. The mark in the middle is the typical home in Roland 74954.

Estimated value$198,941
CheaperTypical $171,891Pricier

Pricier than 68% of homes nearby

Price per ft²$82
CheaperTypical $118Pricier

Pricier than 13% of homes nearby

Living area2,426 ft²
SmallerTypical 1,450 ft²Bigger

Bigger than 92% of homes nearby

Lot size1 ac
SmallerTypical 0.41 acBigger

Bigger than 73% of homes nearby

Year built1980
OlderTypical 1988Newer

Newer than 39% of homes nearby

How 109 E Howard St ranks against every home in each area.
MeasureThis homeRoland 74954Sequoyah County
Estimated valuepricier than$198,94168% of homes59% of homes
Price per ft²pricier than$8213% of homes19% of homes
Living areabigger than2,426 ft²92% of homes91% of homes
Lot sizebigger than1 ac73% of homes44% of homes
Year builtnewer than198039% of homes43% of homes

About 109 E Howard St

How much is 109 E Howard St, Roland, OK worth?

The TopHap Estimate for 109 E Howard St, Roland, OK is $198,941 as of Jul 14, 2026. The likely range is $188,987 to $208,895. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 109 E Howard St, Roland, OK?

109 E Howard St, Roland, OK has 3 bedrooms, 2 bathrooms, 2,426 square feet of living space and a 1.00-acre lot.

When was 109 E Howard St, Roland, OK built?

109 E Howard St, Roland, OK was built in 1980, making it 46 years old. It is a traditional/old home. The building has 1 story.

What schools serve 109 E Howard St, Roland, OK?

109 E Howard St, Roland, OK is assigned to Roland High School (high), rated C-; Roland Middle School (middle), rated B; Roland Elementary School (elementary), rated B+. All sit in Roland Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 E Howard St, Roland, OK compare to other homes in Roland 74954?

Among the 1,568 homes in Roland 74954, it is worth more than 68% of them ($198,941 against a typical $171,891), its price per square foot is higher than 13% of them ($82 against a typical $118), it is bigger than 92% of them (2,426 ft² against a typical 1,450 ft²), its lot is bigger than 73% of them (1 ac against a typical 0.41 ac) and it is newer than 39% of them (1980 against a typical 1988). Measured against all of Sequoyah County, it is worth more than 59% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 E Howard St, Roland, OK?

The 2025 property tax bill for 109 E Howard St, Roland, OK was $1,090. The county assessed it at $13,252.

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