Historic, Finished Basement, Garage
1930 Rugby Four-Bedroom with Jacuzzi Basement Bath — $135,900
7
out of 10
HousesUnder150K Score
Property Merit 50% · Condition 25% · Price/Sq Ft 15% · Market 10%
| Category | Wt. | Score | Detail |
|---|---|---|---|
| Property Merit | 50% | 8 | 1930 home, 2138 sqft, 4 beds, 2 remodeled baths, garage, deck, family room |
| Condition | 25% | 7 | Remodeled bathrooms, dual heat, vinyl siding; no roof/HVAC dates named |
| Price / Sq Ft | 15% | 9 | Listing $64/sqft vs zip median $114/sqft — 44% below; 2 comps, directional |
| Price vs. Market | 5% | 6 | $135,900 vs $158,953 median — ~14% below zip median sale price |
| Market Conditions | 5% | 7 | DOM 122 days zip median, sale-to-list 94.9%, 14.1% price drops — buyer's market |
The number that stops you here is $64 per square foot. The zip median is $114. That 44-point gap is worth sitting with for a second, even accounting for thin comparable sales data in Rugby. What you get at that price is a 1930 house with 2,138 square feet, four bedrooms, two fully remodeled bathrooms, a garage, a deck, and a yard, two blocks from the high school.
The main floor has three bedrooms and a remodeled full bath, a living room with natural light, and a kitchen that comes with the refrigerator, stove, and dishwasher. That last part matters when you're already writing a check.
The basement is where this house gets interesting. There's a large family room, a fourth bedroom with a walk-in closet (no egress window, which is worth knowing), and a bathroom that someone put real money into: Jacuzzi tub, tiled walk-in shower. That's not a budget remodel. It's the kind of thing you'd expect in a house listed significantly higher than this one.
Mechanically, the house runs on dual heat, electric forced air as the primary system and fuel oil as backup. There are no dates in the listing for the roof or HVAC, which means those are the first conversations you have with an inspector. Vinyl siding and soffits mean the exterior maintenance load is low, but a 1930 house carries questions that a surface renovation doesn't answer, and you should expect to find a few.
The market in this zip code is moving slowly. Median days on market is 122, and about 14% of listings have taken price cuts. The sale-to-list ratio sits at 94.9%, which means there's a pattern of buyers negotiating down from ask. At $135,900, this house is already below the zip median sale price of roughly $159,000. That context doesn't make the house a guaranteed deal, but it does tell you what kind of negotiating table you're sitting at.
For a family that needs four bedrooms and wants room to actually spread out, 2,138 square feet in a house with this much already done to it is hard to find at this price.
