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22109 River Trails Rd, Houghton, MI, 49931

3beds
2baths
1,324sqft
$629,500
$475price/sqft
$4,183/moest. monthly cost
$167,320/yrincome needed

About This Home

Welcome to a rare opportunity to own a stunning brand new 3-bedroom, 2-bath contemporary home that combines modern elegance with the serene beauty of Pilgrim River living. Nestled within the picturesque River Trails Development just minutes from Houghton, you will find both tranquility and convenience. Stepping inside the house, you’ll be greeted by an open and airy layout of the vaulted great room adorned with a stylish fireplace and floor to ceiling windows, providing breathtaking views. The main floor includes the kitchen, primary bedroom/bathroom, and living room. The second floor includes 2 bedrooms, full bathroom, and landing area that could make a great office space. The custom kitchen includes upgraded cabinetry and beautiful quartz countertops. As construction nears completion, final touches will include engineered hardwood flooring, tiled primary bathroom shower, solid wood interior doors, and modern railings/bannisters. The attached two-car garage adds convenience to the exterior as well as access to the house while providing ample storage for your outdoor gear and vehicles. The beauty of this home extends beyond its four walls. Step outside onto the beautiful stamped concrete patio, where stunning views of the Pilgrim River and the adjacent Portage Lake Golf Course (hole number 3) provide a picturesque backdrop. The Pilgrim River, a fantastic trout stream, is just steps away, making it the ideal spot for fishing enthusiasts. Your new home is not just a residence; it’s a lifestyle. River Trail Development is directly adjacent to the Michigan Tech Trails, which offer access for mountain biking, trail running, hiking and Nordic skiing. Adventure awaits just outside your door, you’ll find yourself surrounded by nature at every turn. NOTICE: Information is believed accurate but not guaranteed. Buyers must inspect & verify all property details. Buyers accept all risks of inaccuracies, including but not limited to, acreage, lot size/location, square footage, & utility availability/costs. Real estate taxes will be reassessed & may change significantly after sale; do not assume your tax bills will match the seller’s. Taxes are not zero. GIS, apps and plat book pages/maps are not surveys. Audio/video recording may occur on the property; entry implies consent to recording. OFFERS: Please allow 72 hours for a response. Seller may set or change offer deadlines at any time with or without notice.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

7/10
8/10
Houghton Middle SchoolGrades 6-81.9 mi
8/10

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Construction materials: Wood Siding,Composition

Type & Style

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

Interior

Appliances

  • Appliances included: None,Gas Water Heater

Basement

  • Basement: Exterior Entry,Crawl Space

Bathroom1

  • Level: Main

Bathroom2

  • Level: Second

Bedroom1

  • Level: Main
  • Area: 156

Bedroom2

  • Level: Second
  • Area: 154

Bedroom3

  • Level: Second
  • Area: 100

Bedrooms & Bathrooms

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

Features

  • Interior Balcony,Cathedral/Vaulted Ceiling
  • Flooring: Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,324

Heating & Cooling

  • Heating features: Forced Air,Propane
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,324
  • Total interior livable area: 1,324 sqft

Property

Details

  • Parcel number: 01020530305
  • Special condition: Private,Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Patio
  • Has view: Yes
  • View description: River
  • Has water view: Yes
  • Water view: River
  • On waterfront: Yes
  • Waterfront features: River Front
  • Waterbody name: Pilgrim River
  • Frontage type: Road
  • Frontage length: 212

Lot

  • Lot size: 1.10 Acres
  • Lot size dimensions: 212 x 236 x 236 x 220

Parking

  • Parking features: Attached,Heated Garage

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
  • Lightning
    LightningRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Cold Wave
Lightning
Hail
Inland Flooding
Strong Wind
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 $3,183$38,196
Home Insurance *$220$2,640
Property Taxes $592$7,104
Electricity $188$2,259
Total$4,183$50,196
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$143,417/yr
40% on housing$125,490/yr
45% on housing$111,546/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

$475This listing

vs Other Active Listings

Avg $/sqft

ZIP 49931$208
Houghton County$154

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
2026-05-11Price change$629,500
2025-09-18Price change$619,000
2025-05-14Pending sale$94,500
2025-01-02Price change$94,500
2024-08-01Listed for sale$89,500

New Construction

AgentCHRISTOPHER COPONEN
BrokerageCENTURY 21 AFFILIATED

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