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2651 S 4th St, Kalamazoo, MI, 49009

4beds
3baths
3,616sqft
$550,000
$152price/sqft
$3,988/moest. monthly cost
$159,520/yrincome needed

About This Home

Ranch nestled on over 10 private acres in desirable Oshtemo Township. This beautifully maintained home offers a spacious family room with vaulted beam ceiling, hardwood floors, built-ins, and a gas fireplace. The kitchen features stainless steel appliances, an eating area, and a sliding glass door leading to the patio. Enjoy a bright living room, formal dining room, and a main-floor primary suite with a recently updated full bath and large walk-in closet. Two additional bedrooms, a second full bath with tile shower, and main-floor laundry complete the main level. The walkout lower level includes a rec room with wet bar, 4th bedroom, full bath, second laundry area, and patio access. Outside, enjoy a heated inground pool with a new liner (2025) and pump (2023), pool house, garden shed, two large pole barns, whole-house generator, and the privacy of a country setting. This home is Kalamazoo promise qualified!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

7/10
8/10
Loy Norrix High SchoolGrades 9-127.9 mi

Construction

Condition

  • Year built: 1976

Materials

  • Roof: Composition
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Bar Fridge,Dishwasher,Dryer,Microwave,Range,Refrigerator,Trash Compactor,Washer,Water Softener Owned
  • Laundry features: Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Daylight,Full,Walk-Out Access

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Wet Bar,Eat-in Kitchen
  • Window features: Garden Window
  • Flooring: Carpet,Laminate,Tile,Wood
  • Number of fireplaces: 2
  • Fireplace features: Gas Log,Living Room,Recreation Room
  • Fireplace: Yes
  • Finished area below ground: 0

Heating & Cooling

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

Interior Area

  • Total structure area: 2,301
  • Total interior livable area: 3,616 sqft

Property

Accessibility

  • Accessibility features: Accessible Mn Flr Bedroom,Accessible Mn Flr Full Bath,Grab Bar Mn Flr Bath

Details

  • Parcel number: 0528305050

Features

  • Stories: 1
  • Private pool: Yes
  • Pool features: In Ground
  • Exterior features: Balcony

Lot

  • Lot size: 10.25 Acres
  • Features: Wooded
  • Lot size dimensions: 329 x 1278

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener
  • 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

  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Strong Wind
Tornado
Winter Weather

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 $2,781$33,372
Home Insurance *$195$2,340
Property Taxes $618$7,416
Electricity $394$4,732
Total$3,988$47,856
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$136,731/yr
40% on housing$119,640/yr
45% on housing$106,346/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: -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

$152This listing

vs Other Active Listings

Avg $/sqft

ZIP 49009$169
Kalamazoo County$152

vs Homes Sold Last Month

Median $/sqft

ZIP 49009$184
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
2026-07-17Listed for sale$550,000
2005-10-25Sold$325,000

For Sale by Agent

AgentMadelyn G Rome
BrokerageJaqua, REALTORS

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