Pending
176 Harbor Drive, Ludington, MI 49431
$850,000
MLS # 26011734 (Michigan Regional Information Center (MichRIC))
4 beds3 baths2,449 sqftBuilt 19930.07 acres
1 / 61
Listing Description
RARE, luxurious and carefree condo living on LAKE MICHIGAN! From the impressive two story ceramic floored entrance with curved staircase you will explore 2449 sq ft of updated and extras galore everywhere you look and STUNNING WATERFRONT sights from glorious oversized windows, deck and patio! There are four spacious bedrooms with three full baths, two living rooms and a gourmet kitchen from which you can oversee your elevated entertainment space and beach and LAKE! Even the window treatments and gas fireplace are top of the line. The two car attached to Garage is oversized and there is a possibility of additionally purchasing another separate garage. IMMEDIATE OCCUPANCY too, so you can enjoy the entire Michigan summer there in the exclusive CROSSWINDS community on the edge of the charming small town of Ludington.
Source: SparkMLS
About this home
4-bedroom, 3-bath, 2,449 sq ft home in Ludington in Ludington built in 1993.
Currently offered at $850,000 (about $347/sq ft).
Annual property taxes run approximately $12,894 ($1,074/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 SubtypeCondominium
Bedrooms4
Bathrooms3
Living Area2,449 sqft
Lot Size0.07 acres
Year Built1993
Stories2
Location
CityLudington
MunicipalityLudington
Zip Code49431
CountyMason
School DistrictLudington
Construction & Systems
StyleOther
ConstructionAluminum Siding, Shingle Siding
BasementSlab
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed3/24/2026
Terms AcceptedCash, Conventional
HOA
HOA Fee$175
IncludesSnow Removal, Lawn/Yard Care
Source: SparkMLS
Tax Information
Annual Tax$12,894
Tax Year2025
State Equalized Value$303,200
Taxable Value$219,761
Assessed Value$219,761
Parcel #051-117-055-00
Source: Public Records
Legal Description
MASON COUNTY CONDOMINIUM PLAN NO. 5 CROSSWINDS ESTATES CONDOMINIUM UNIT 55.
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Elizabeth Horford
Re/Max Real Estate Professionals
Frequently Asked Questions about 176 Harbor Drive, Ludington, MI 49431
Which school district serves 176 Harbor Drive, Ludington, MI 49431?
Per MLS# 26011734, 176 Harbor Drive, 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.
What type of financing is accepted for this listing?
Per MLS# 26011734, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 176 Harbor Drive, Ludington, MI 49431?
Per public tax records, annual property taxes for this property are $12,894 (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, 176 Harbor Drive, 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 176 Harbor Drive, 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 176 Harbor Drive, 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.
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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$5,688
Principal & interest$5,513
HOA$175
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
176 Harbor Drive, Ludington, MI 49431
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Municipality
Ludington
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