Sold
206 N James Street, Ludington, MI 49431
Sold on 04/22/2026 for$322,500
MLS # 26012841 (Michigan Regional Information Center (MichRIC))
3 beds2 baths1,838 sqftBuilt 19000.19 acres
1 / 30
Listing Description
Ideally located just steps from downtown Ludington's shops and restaurants and only blocks from Stearns Park and the Lake Michigan shoreline, this thoughtfully updated 3-bedroom, 2-bath home showcases comfort, charm, and flexible living space. Beautiful hardwood flooring runs throughout much of the home, the kitchen features a charming built-in eat-in area. The finished lower level adds incredible versatility with a bedroom, full bathroom, and kitchenette/wet bar--perfect for guests, entertaining, or extended living arrangements. Additional highlights include heated tile floors in both bathrooms, a completely redone back entry, abundant storage throughout, and a Generac whole-house generator for added peace of mind. The property includes a 2-car detached garage with alley entrance and additional off-street parking.
Source: SparkMLS
About this home
This 3-bedroom, 2-bath, 1,838 sq ft home built in 1900 sits in Ludington in Ludington.
Final sale price: $322,500 (about $175/sq ft).
Annual property taxes run approximately $2,295 ($191/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
Bedrooms3
Bathrooms2
Living Area1,838 sqft
Lot Size0.19 acres
Year Built1900
Stories1
Location
CityLudington
MunicipalityLudington
Zip Code49431
CountyMason
School DistrictLudington
Construction & Systems
ConstructionVinyl Siding
BasementPartial
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Natural Gas Connected, Cable Connected, Storm Sewer
InteriorBroadband, Garage Door Opener, Eat-in Kitchen
Sale & Financing
Listed3/31/2026
Sold Date4/21/2026
Terms AcceptedCash, FHA, Conventional
Source: SparkMLS
Tax Information
Annual Tax$2,295
Tax Year2025
State Equalized Value$92,100
Taxable Value$56,436
Assessed Value$56,436
Homestead (PRE)100%
Parcel #051-225-073-00
Source: Public Records
Legal Description
ORIGINAL PLAT LOT 8 BLOCK 20.
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 Dana Allen
LIGHTHOUSE REALTY-Ludington
Frequently Asked Questions about 206 N James Street, Ludington, MI 49431
What school district is 206 N James Street, Ludington, MI 49431 in?
Per MLS# 26012841, this property is served by Ludington. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What type of financing is accepted for this listing?
Per MLS# 26012841, the seller has indicated this property accepts the following financing types: Cash, FHA, Conventional. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26012841, the most recent reported annual property tax for 206 N James Street, Ludington, MI 49431 is $2,295 (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.
Is 206 N James Street, Ludington, MI 49431 eligible for USDA financing?
Per USDA boundary maps, this property is located in a USDA-eligible area, which means qualified buyers may be able to finance with 0% down through the USDA Rural Development program. Confirm current eligibility directly with USDA.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 206 N James Street, Ludington, MI 49431 is in flood zone X (minimal risk). 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.
Who are the utility providers for this property?
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.
How safe is 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$2,011
Principal & interest$2,011
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
206 N James Street, Ludington, MI 49431
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Municipality
Ludington
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