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8811 Waruf Ave, Portage, MI, 49002

4beds
3baths
3,020sqft
$870,000
$288price/sqft
$6,100/moest. monthly cost
$244,000/yrincome needed

About This Home

Priced per updated appraisal last fall. Main lake house is a 3bed 2bath, newly renovated. Traditional floorplan (not open concept). Hardwood floors in living/dining rooms with wood burning FP. Master on main, with 2 additional bedrms upstairs along with laundry and den. All season room overlooks the lake and deck. Basement has a finished rec room, root cellar, and tons of storage. The detached 3 car garage is two story with a 720sf guesthouse that includes full size kitchen with w/d, 1 bedrm with walk-in closet, and full bath. This is a legal grandfathered-in rental unit per the City that has been getting $1600. Outside you'll find a garden space with raised beds, multiple porches/patios, and lakeside a huge bi-level deck, and more storage in shed behind garage. New walk-in custom closet upstairs and new kitchen backsplash installed. Owner is real estate agent.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

7/10
Central Elementary SchoolGrades PK-52.8 mi
8/10
9/10

Construction

Condition

  • Year built: 1914

Materials

  • Roof: Metal,Stone
  • Construction materials: Stone,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Range,Refrigerator,Washer,Water Softener Owned
  • Laundry features: Electric Dryer Hookup,Laundry Room,Other,Upper Level

Basement

  • Basement: Crawl Space,Partial

Bedrooms & Bathrooms

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

Features

  • Guest Quarters,Center Island,Pantry
  • Window features: Low-Emissivity Windows,Screens,Replacement,Insulated Windows,Window Treatments
  • Flooring: Carpet,Ceramic Tile,Laminate,Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 318

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air,Wall Unit(s)

Interior Area

  • Total structure area: 2,702
  • Total interior livable area: 3,020 sqft

Property

Details

  • Parcel number: 1006900025O
  • Zoning description: R-1A

Features

  • Stories: 2
  • Exterior features: Balcony
  • Fencing: Chain Link,Front Yard,Other
  • On waterfront: Yes
  • Waterfront features: Lake
  • Waterbody name: Long Lake

Lot

  • Lot size: 9,147 sqft
  • Lot size dimensions: 58 x 216

Parking

  • Total spaces: 3
  • Parking features: Garage Faces Side,Detached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

  • Hail
    HailModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Hail
Tornado

FEMA Declared Disasters in Kalamazoo 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 $4,399$52,788
Home Insurance *$394$4,728
Property Taxes $978$11,736
Electricity $329$3,952
Total$6,100$73,200
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$209,142/yr
40% on housing$183,000/yr
45% on housing$162,666/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: -4.9%
-4.9%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.5%
0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$288This listing

vs Other Active Listings

Avg $/sqft

ZIP 49002$141
Kalamazoo County$151

vs Homes Sold Last Month

Median $/sqft

ZIP 49002$194
Kalamazoo County$166

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
2026-05-12Listed for sale$889,000
2026-03-01Listing removed$889,900
2025-10-20Price change$889,900
2025-07-31Pending sale$879,900
2025-05-08Listed for sale$879,900
2024-08-20Listing removed--
2024-05-09Listed for sale$800,000
2021-03-24Listing removed--
2020-06-30Listing removed$425,000
2020-02-09Listed for sale$425,000
2014-10-01Listing removed$362,900
2014-07-09Price change$362,900
2014-05-31Listed for sale$374,900
2013-11-15Listing removed$1,600
2013-09-20Listed for rent$1,600
2006-07-14Sold$245,000

For Sale by Agent

AgentBarbara A Sloan
BrokerageWhitmore Realty Group, LLC

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