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621 Ruth St, Portage, MI, 49002

2beds
1baths
780sqft
$96,000
$123price/sqft
$824/moest. monthly cost
$32,960/yrincome needed

About This Home

Property is available for online auction only. See Realty Bid for property, auction, & bidding information. *No showings, no trespassing.

Getting Around

44
WalkingCar-Dependent
0
TransitVery Limited Transit
61
BikeBikeable

Schools

5/10
7/10
6/10

Construction

Condition

  • Year built: 1930

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Finished area above ground: 780

Heating

  • Heating features: Has Heating (Unspecified Type)

Interior Area

  • Total structure area: 780
  • Total interior livable area: 780 sqft

Property

Details

  • Parcel number: 1002200120O
  • Lease amount: 0
  • Special condition: Auction,Real Estate Owned

Features

  • Stories: 2

Lot

  • Lot size: 0.43 Acres

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 $485$5,820
Home Insurance *$43$516
Property Taxes $108$1,296
Electricity $188$2,259
Total$824$9,888
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$28,251/yr
40% on housing$24,720/yr
45% on housing$21,973/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

$123This listing

vs Other Active Listings

Avg $/sqft

ZIP 49002$150
Kalamazoo County$152

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
2023-02-21Listing removed--
2022-07-25Pending sale$119,900
2022-05-11Sold$104,000
2022-03-15Pending sale$119,900
2022-03-01Listed for sale$119,900

Unknown Listed By

AgentBrian Brockman
BrokerageBang Realty

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