For Sale
109 N Franklin Street, Ludington, MI 49431
$287,500
MLS # 26030091 (Michigan Regional Information Center (MichRIC))
4 beds1 bath1,700 sqftBuilt 19000.13 acres
1 / 40
Listing Description
CITY OF LUDINGTON - This charming 4 bedroom, 1 bath home greets you with fantastic curb appeal and a bright atmosphere the moment you arrive. Featuring an exceptionally functional layout, the home offers two convenient entryways equipped with built-in coat storage. The main level boasts high ceilings, entirely updated flooring, and an open-concept living and dining area flooded with an abundance of natural light. Freshly painted throughout, the main floor also includes a comfortable bedroom, a full bathroom, and a spacious, fully renovated kitchen complete with new cabinets, quartz counter tops, a farmhouse sink and stainless steel appliances. Upstairs, you will find three generously-sized bedrooms with great closet space, accented by classic built-ins and connected by a versatile bonus room. The freshly painted basement provides a clean laundry area alongside plenty of dry storage space. The attached 1 car garage and updates make this adorable home a must see.
Source: SparkMLS
About this home
4-bedroom, 1-bath, 1,700 sq ft home in Ludington in Ludington built in 1900.
Listed at $287,500 (about $169/sq ft).
Annual property taxes run approximately $3,176 ($265/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Consumers Energy Company; natural gas by DTE Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms1
Living Area1,700 sqft
Lot Size0.13 acres
Year Built1900
Stories2
Location
CityLudington
MunicipalityLudington
Zip Code49431
CountyMason
School DistrictLudington
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementFull
Garage1 space
HeatingBaseboard, Forced Air
WaterPublic
SewerPublic
UtilitiesPhone Connected, Natural Gas Connected, Cable Connected, High-Speed Internet
InteriorGarage Door Opener
Sale & Financing
Listed6/30/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$3,176
Tax Year2025
Assessed Value$54,133
Parcel #53-051-241-013-60
Source: SparkMLS
Legal Description
KASSON'S ADDITION S 46 1/2 FT OF LOTS 13 & 14 BLOCK 1.
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAPrice & Status History
Jul 1, 2026
Listed for sale
$287,500
More Homes in Ludington
Listed by Debby Stevenson
Greenridge Realty S Rath
Frequently Asked Questions about 109 N Franklin Street, Ludington, MI 49431
Which school district serves 109 N Franklin Street, Ludington, MI 49431?
Per MLS# 26030091, 109 N Franklin Street, Ludington, MI 49431 is in the Ludington boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Ludington directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 26030091, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 109 N Franklin Street, Ludington, MI 49431?
Per public tax records, annual property taxes for this property are $3,176 (2025). Michigan property taxes are based on a property's taxable value multiplied by the local millage rate. Primary residences qualify for a homestead exemption that lowers the rate.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 109 N Franklin Street, Ludington, MI 49431 is in an eligible area. USDA RD loans offer 0% down payment for qualified buyers. Verify current eligibility at the USDA eligibility site, as boundaries are updated periodically.
Is 109 N Franklin Street, Ludington, MI 49431 in a flood zone?
Per FEMA flood maps, this property is designated as Zone X, a minimal-risk flood area. Flood insurance is not typically required in this zone but may still be advisable. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
What utilities serve 109 N Franklin Street, Ludington, MI 49431?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: DTE Gas Company. Sewer: Public. Water: Public. Confirm service details directly with providers.
What is the crime rate in this area?
For crime and public safety data, we recommend inquiring directly with the Ludington police department or the Mason County sheriff's office.
Map
BETAMulti-Year Tax History
View SEV, Taxable Value, and uncapping difference for this parcel — Mason County public records.
Mortgage Calculator
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Monthly payment$1,865
Principal & interest$1,865
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Consumers Energy Company
Investor-Owned
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
109 N Franklin Street, Ludington, MI 49431
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Municipality
Ludington
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