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1022 Red Oak Ln, Houghton, MI, 49931

4beds
3baths
2,062sqft
$474,900
$230price/sqft
$3,238/moest. monthly cost
$129,520/yrincome needed

About This Home

New Construction Home in Houghton-Portage Township Schools. Spanning 2,062 square feet, this two-story home invites you to enjoy 4 bedrooms and 2.5 baths in a thoughtfully designed layout that brings people together in open, welcoming spaces while still providing quiet places to unwind and recharge. The home also features an expanded 20x24 two-stall garage, providing additional space for vehicles, storage, tools, or recreational equipment—an ideal upgrade for homeowners who value extra room and functionality. The great room is thoughtfully positioned at the front of the home, creating an inviting living space while maintaining open sight lines into the kitchen for a layout that feels intentionally designed. The kitchen blends style and functionality with quartz countertops, white craftsman-style cabinetry, and a full stainless steel appliance package including the refrigerator. At the center of the space, a spacious 48-inch prep island with pendant lighting above and an extended edge for barstool seating offers additional workspace and a natural gathering spot. The layout flows seamlessly into a large dining nook, where sliding glass doors open to a 10x10 deck—an ideal setting for outdoor cooking, dining, or entertaining while extending the living space beyond the interior. Just off the nook, a dedicated den is tucked at the rear of the home, providing a flexible space ideal for a home office, reading room, or creative studio with a bit of separation from the main living areas. Upstairs, all four bedrooms are generously sized and thoughtfully grouped together. The primary suite offers a private escape, complete with its own bath and a large walk-in closet. The additional bedrooms provide comfortable space for guests, hobbies, or extra workspace. The home is situated on a walk out site and includes a slider door, 2 daylight windows, and direct access to the rear yard in the unfinished basement. Designed for efficiency and everyday functionality, this home brings together flexible living space, modern finishes, and thoughtful design in a setting that feels both practical and inviting. RESNET energy smart construction will save an estimated $950 annually. Home includes a 10-year structural warranty, offering lasting peace of mind. Home is still under construction and is expected to be finished November. Interior pictures are stock photos representative of the finished home. Contact our team to schedule your private tour!

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

7/10
8/10
Houghton Middle SchoolGrades 6-81.3 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: Full,Walk-Out Access,Concrete

Bathroom1

  • Level: Upper
  • Area: 60

Bathroom2

  • Level: Upper
  • Area: 60

Bedroom1

  • Features: Carpet
  • Level: Upper
  • Area: 224

Bedroom2

  • Features: Carpet
  • Level: Upper
  • Area: 121

Bedroom3

  • Features: Carpet
  • Level: Upper
  • Area: 144

Bedroom4

  • Features: Carpet
  • Level: Upper
  • Area: 180

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 144

Features

  • Walk-In Closet(s)
  • Flooring: Carpet
  • Finished area below ground: 0
  • Finished area above ground: 2,062

Great Room

  • Level: Main
  • Area: 240

Heating & Cooling

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

Interior Area

  • Total structure area: 2,900
  • Total interior livable area: 2,062 sqft

Kitchen

  • Level: Main
  • Area: 192

Property

Details

  • Parcel number: 05212303417
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck
  • Waterfront features: None
  • Frontage type: Road
  • Frontage length: 174

Lot

  • Lot size: 0.66 Acres
  • Lot size dimensions: 174 x 191

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 $2,401$28,812
Home Insurance *$166$1,992
Property Taxes $447$5,364
Electricity $224$2,698
Total$3,238$38,856
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$111,017/yr
40% on housing$97,140/yr
45% on housing$86,346/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

$230This 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
2026-08-12Contingent$474,900
2026-07-22Listed for sale$474,900

New Construction

AgentJACLYN HORSELL
BrokerageMOYLE REAL ESTATE & DEVEL

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