130 E 16TH St, Ada, OK

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130 E 16TH St, Ada, OK | HUDPRO

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HUDPRO Insight

What this property is

From a buyer’s lens, this reads as a very spacious 3-bedroom, 2-bath single family home with 2,587 sq ft on a large lot built in 1940. Larger HUD homes often carry higher utility and rehab carrying costs even when list price looks approachable. Ada, OK looks more rural/suburban on paper — verify drive time, insurance, and contractor availability before you commit.

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Financing & repairs

FHA status UI (uninsurable) usually means the property needs work before standard FHA insurance applies — many buyers route this through FHA 203(k) with a HUD-experienced lender, not a vanilla 203(b) assumption. Selling as-is often means HUD is not budgeting turn-key cosmetics — budget contingency for systems, moisture, and deferred maintenance even on insurable cases. 203(k) eligibility on the listing is a green light to discuss renovation financing — not a guarantee your contractor timeline fits the bid window. FHA $100 Down can reduce cash-to-close for eligible owner-occupants — program rules still apply to case status and bidding period.

What UI means for buyers HUD financing guide $100 Down listings

Buyer competition & practicality

Extended listing period often means the home already cycled through earlier bid windows — read the bid schedule carefully; investor eligibility may differ from day-one owner-occupant priority. At roughly 5 days on market, this is relatively fresh HUD inventory — competition can spike once photos and PCR circulate.

HUD buyer workflow Market News

Current bid phase

Owner Occupied*

All Bidders

Listing Period: Extended

* Owner Occupied includes non-profits & government agencies only

HUDPRO Property Snapshot

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Days on Market5 days

Price TrendReduced

Listing ActivityUpdated

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HUD Program Eligibility

$100 Down EligibleYes

Good Neighbor Next DoorNo

203(k) Eligible – Repairs & Renovations FinancingYes

FHA StatusUI (Uninsured)

HUD List Price

$98,640

$100 Down Eligible

3 bd · 2 ba · 2,587 sq ft

Built 1940 · Lot 14,000 sq ft

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Pontotoc County, OKHome inspector

Bid DateSun, Oct 18 • 11:59 PM CT

Buyer FitPhase: All Bidders · Uninsured

Property Snapshot3 bd / 2 ba · 2,587 sq ft

Financing203(k): Eligible · $100 Down

HUDPRO Buyer Report

Here's what we think
about this home.

130 E 16TH St, Ada OK 74820 · Listed $98,640

Valuation data not available

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Is This a Deal?

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Valuation data not available

Can I Finance It?

FHA Options

Includes 203(k) rehab financing

Check with a HUDPRO mortgage partner for all options

Monthly ownership?

~$625 / mo

P&I from list price — no HOA on listing; add tax, insurance & MIP for full cost. Illustrative 30-yr FHA P&I at ~6.875% with 3.5% down. Not a lender quote.

How Much Work?

$15k – $25k

Moderate repairs estimated

Basic payment estimate

Principal & interest only — illustrative, not a loan offer. Plus or Elite adds HOA, taxes, insurance, MIP, and the full ownership breakdown.

Purchase priceDown payment (%)Interest rate (%)Term (years)

Est. monthly P&I: ~$602 / mo

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Real Deal™ score & value vs. market
Deep repair & condition context
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How Urgent Is This?

Deadline passed

Bids due: Sun, Oct 18 (11:59 PM CT)

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Buyer Eligibility

All bidders

Open bid phase to all qualified bidders per current listing data.

Recent Sold HUD Homes in This County

Archived HUD sales in Pontotoc County — use as context, not a formal appraisal.

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Investors

Deal metrics

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List $ / sq ft

$38

From list price & square footage (not compare API)

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Listing data reflects publicly available HUD program information. Confirm property details, market conditions, and bidding strategy with a HUD-experienced real estate professional familiar with your target area.