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430 W Upton Ave, Reed City, MI, 49677

4beds
4baths
3,968sqft
$395,000
$100price/sqft
$2,975/moest. monthly cost
$119,000/yrincome needed

About This Home

A Rare Architectural Treasure in the Heart of Reed City. Steeped in history and rich with character, this distinguished residence stands as one of Reed City's most remarkable and enduring homes. Offering over 3,600 square feet across three finished levels, this timeless property showcases a level of craftsmanship, architectural detail, and preservation that is increasingly difficult to find in today's market. From the moment you step through the front door, the home's historic pedigree is immediately apparent. Original woodwork, intricate millwork, vintage lighting, and beautifully preserved architectural details create an atmosphere of warmth, elegance, and authenticity. The gracious main level was designed for both grand entertaining and comfortable everyday living, featuring expansive gathering spaces, abundant natural light, and a stunning fireplace that serves as the centerpiece of the living room. Throughout the home, generously scaled rooms, original doors and trim, wide hallways, and thoughtfully crafted details reflect an era when homes were built with permanence and pride. The adjoining sitting room and sunlit den provide inviting spaces for quiet reflection, reading, or conversation, while the formal dining room offers a classic setting for hosting family and friends. The second floor continues the home's legacy of craftsmanship with three spacious bedrooms enhanced by original architectural features and timeless design elements. The primary suite includes a generous dressing and relaxation area, while vintage tilework, classic fixtures, and a built-in soaking tub preserve the home's distinctive character and charm. One of the home's most captivating features is the fully finished third-floor retreat. Wrapped in rich wood-plank walls and ceilings, this remarkable space offers endless possibilities as a recreation room, studio, library, creative workspace, or additional living quarters. It is a truly unique feature rarely found in homes of any era. Outside, the architectural appeal continues with signature gable lines, detailed trim work, wide overhangs, and an impressive brick chimney that contribute to the home's stately presence. A large wraparound deck with pergola accents extends the living space outdoors, creating the perfect setting for entertaining, relaxing, or simply appreciating the beauty of the surrounding landscape. Lovingly maintained by the same ownership for more than five decades, this home represents far more than a residence--it is a piece of Reed City's history. Properties offering this level of architectural significance, original craftsmanship, and timeless appeal seldom become available, making this an extraordinary opportunity for the next steward to preserve and enjoy a truly special home for generations to come.

Getting Around

47
WalkingCar-Dependent
0
TransitVery Limited Transit
52
BikeBikeable

Schools

7/10
6/10
Reed City Middle SchoolGrades 5-80.8 mi
5/10
Reed City High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1900

Materials

  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman
  • Property subType: Single Family Residence

Interior

Appliances

  • Laundry features: In Basement,Lower Level

Basement

  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 2
  • 1/2 bathrooms: 2
  • Main level bedrooms: 3

Features

  • Number of fireplaces: 2
  • Fireplace features: Den,Living Room
  • Fireplace: Yes
  • Finished area below ground: 316

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 3,156
  • Total interior livable area: 3,968 sqft

Property

Details

  • Parcel number: 5213501100

Features

  • Stories: 3

Lot

  • Lot size: 0.58 Acres
  • Features: Sidewalk,Wooded
  • Lot size dimensions: 135 x 180

Parking

  • Total spaces: 2
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Strong Wind
    Strong WindVery High
  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather
Cold Wave
Lightning
Hail
Inland Flooding
Tornado

FEMA Declared Disasters in Osceola County and Michigan

Severe Ice Storm
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 $1,997$23,964
Home Insurance *$247$2,964
Property Taxes $299$3,588
Electricity $432$5,193
Total$2,975$35,700
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$102,000/yr
40% on housing$89,250/yr
45% on housing$79,333/yr

Michigan FAIR Plan Programs

Michigan Basic Property Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 15,981Commercial: 293
Total Premiums$13.85M
Total Exposure$2.60B

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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 4.0%
4.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$100This listing

vs Other Active Listings

Avg $/sqft

ZIP 49677$118
Osceola County$192

vs Homes Sold Last Month

Median $/sqft

ZIP 49677
Osceola County$152

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)

Price History

DateEventPrice
2026-08-12Price change$389,900
2026-07-13Price change$395,000
2026-06-01Listed for sale$425,000
2026-04-29Listing removed$475,000
2025-11-28Listed for sale$475,000

For Sale by Agent

AgentTricia Wirth
BrokerageResults Real Estate LLC

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