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861 Paw Paw Ave, Benton Harbor, MI, 49022

3beds
1baths
954sqft
$99,500
$104price/sqft
$907/moest. monthly cost
$36,280/yrincome needed

About This Home

Roof, exterior vinyl siding, soffits/facia, storm windows and gas forced air furnace all replaced in 2024. Municipal water and sewer. Nice, elevated views, short distance to Lake Michigan and Harbor Shores Golf Course. Low traffic location in rear yard, alley access from Campbell St. Plenty of potential and instant equity after needed interior updating.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

--
2/10
Fair Plain Middle SchoolGrades 6-83.0 mi
2/10
Benton Harbor High SchoolGrades 9-122.0 mi

Construction

Condition

  • Year built: 1935

Materials

  • Roof: Composition,Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Laundry features: In Basement

Basement

  • Basement: Full

Bedroom2

  • Level: Main
  • Area: 119
  • Dimensions: 7.00 x 17.00

Bedroom3

  • Level: Upper
  • Area: 312
  • Dimensions: 13.00 x 24.00

Bedrooms & Bathrooms

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

Features

  • Eat-in Kitchen
  • Window features: Storms
  • Finished area below ground: 0

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 954
  • Total interior livable area: 954 sqft

Kitchen

  • Level: Main
  • Area: 150
  • Dimensions: 10.00 x 15.00

Laundry

  • Level: Basement

Living Room

  • Level: Main
  • Area: 165
  • Dimensions: 11.00 x 15.00

Master Bedroom

  • Level: Main
  • Area: 132
  • Dimensions: 11.00 x 12.00

Property

Details

  • Parcel number: 110312000005000
  • Zoning description: 401res

Features

  • Stories: 2

Lot

  • Lot size: 6,098 sqft
  • Features: Level
  • Lot size dimensions: 50 x 122

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 WaveModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Strong Wind
Winter Weather
Tsunami

FEMA Declared Disasters in Berrien 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 $503$6,036
Home Insurance *$88$1,056
Property Taxes $128$1,536
Electricity $188$2,259
Total$907$10,884
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$31,097/yr
40% on housing$27,210/yr
45% on housing$24,186/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: 5.8%
5.8%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.0%
0.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$104This listing

vs Other Active Listings

Avg $/sqft

ZIP 49022$163
Berrien County$246

vs Homes Sold Last Month

Median $/sqft

ZIP 49022$111
Berrien County$175

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
2026-05-05Listed for sale$117,000

For Sale by Agent

AgentR.Scott Neumann
BrokerageSunrise Real Estate, Inc.

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