See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

1019 Red Oak Ln, Houghton, MI, 49931

4beds
3baths
1,882sqft
$434,900
$231price/sqft
$2,965/moest. monthly cost
$118,600/yrincome needed

About This Home

New Construction Home in Houghton Public Schools. This traditional two-story home offers 1,882 sqft of thoughtfully designed living space with 4 bedrooms and 2.5 baths, blending everyday comfort with timeless style. The home also features a 20x24 two-stall garage, providing space for vehicles, storage, tools, or recreational equipment. The great room is positioned at the front of the home, welcoming you in with natural light and a space that feels inviting from the moment you enter. The modern kitchen features a 48-inch island, white cabinetry, quartz countertops, tile backsplash, and stainless-steel appliances with refrigerator, creating a clean and functional centerpiece for the home. Just beyond, a dedicated dining nook provides a bright setting for everyday meals, conversation, and easy access through sliding glass doors to 10x10 deck. A practical mudroom with storage is located on the first floor with direct access to the garage, offering an organized drop zone for daily routines. The powder room is discreetly tucked away for added privacy, and the laundry room includes an exterior window for natural light along with a washer and dryer for convenience. Upstairs, all four bedrooms are thoughtfully arranged for privacy, including a spacious primary suite with a private bath and walk-in closet that feels like a personal retreat. Situated on a desirable daylight homesite, this home features an unfinished basement with three daylight windows, bringing in natural light and offering excellent potential for future finished living space. Full walkout basement will remain unfinished but insulated. Walkout basement and egress window make this space very easy to be finished off! With energy-efficient construction and a layout designed for flow and flexibility, this home offers a space that simply feels good to come home to. RESNET energy smart construction will save an estimated $1,195 annually. Home includes a 10-year structural warranty, offering lasting peace of mind. Home is still under construction and is expected to be finished early October. Interior pictures are representative of the finished home. Contact our team to schedule your private tour!

Getting Around

28
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

7/10
8/10
Houghton Middle SchoolGrades 6-81.4 mi
8/10

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Basement,Concrete Perimeter
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range/Oven,Refrigerator,Washer,Gas Water Heater
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Daylight,Full,Concrete

Bathroom1

  • Features: Vinyl
  • Level: Upper
  • Area: 50

Bathroom2

  • Features: Vinyl
  • Level: Upper
  • Area: 55

Bedroom1

  • Features: Carpet
  • Level: Upper
  • Area: 210

Bedroom2

  • Features: Carpet
  • Level: Upper
  • Area: 132

Bedroom3

  • Features: Carpet
  • Level: Upper
  • Area: 132

Bedroom4

  • Features: Carpet
  • Level: Upper
  • Area: 110

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Features: Laminate
  • Level: Main
  • Area: 154

Features

  • Walk-In Closet(s)
  • Flooring: Laminate,Carpet,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 1,882

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,584
  • Total interior livable area: 1,882 sqft

Kitchen

  • Features: Laminate
  • Level: Main
  • Area: 132

Living Room

  • Features: Laminate
  • Level: Main
  • Area: 224

Property

Details

  • Parcel number: 05212303403
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck
  • Waterfront features: None
  • Frontage type: Road
  • Frontage length: 131

Lot

  • Lot size: 0.49 Acres
  • Lot size dimensions: 155 x 131

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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

  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Cold Wave
Inland Flooding
Lightning
Tsunami

FEMA Declared Disasters in Houghton 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 $2,199$26,388
Home Insurance *$152$1,824
Property Taxes $409$4,908
Electricity $205$2,463
Total$2,965$35,580
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$101,657/yr
40% on housing$88,950/yr
45% on housing$79,066/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: 7.9%
7.9%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$231This listing

vs Other Active Listings

Avg $/sqft

ZIP 49931$218
Houghton County$156

vs Homes Sold Last Month

Median $/sqft

ZIP 49931$157
Houghton County$106

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
2026-07-21Listed for sale$434,900

New Construction

AgentJACLYN HORSELL
BrokerageMOYLE REAL ESTATE & DEVEL

Similar Homes