Sold
209 Franklin Street, Ludington, MI 49431
Sold on 05/27/2026 for$265,000
MLS # 26020505 (Michigan Regional Information Center (MichRIC))
4 beds2 baths1,808 sqftBuilt 19520.43 acres
1 / 28
Listing Description
Welcome to this beautiful 4 bed 2 bath all-brick ranch, perfectly situated on a large double corner lot. Inside, the home blends classic charm with modern updates, featuring an open-concept living area filled with natural light. The updated kitchen shines with stainless steel appliances, stylish backsplash, and elegant built-ins for extra storage, all flowing seamlessly into the main living space, ideal for gatherings or quiet nights in. Step outside to your fenced-in backyard retreat, complete with mature trees and a spacious patio that's perfect for summer BBQs, relaxing evenings, and making the most of Michigan's warmer months. With so much outdoor space, this property offers a rare opportunity to create your own private oasis. Located roughly a mile from downtown and the shores of LK MI, you'll love the easy access to waterfront living, while still enjoying a quiet neighborhood setting. Additional highlights include AC, underground sprinkling, attached garage, and a large shed.
Source: SparkMLS
About this home
4-bedroom, 2-bath, 1,808 sq ft home in Ludington in Ludington built in 1952.
This home sold for $265,000 (about $147/sq ft).
Estimated annual property tax: $4,325, or about $360 monthly. 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
Bathrooms2
Living Area1,808 sqft
Lot Size0.43 acres
Year Built1952
Stories1
Location
CityLudington
MunicipalityLudington
Zip Code49431
CountyMason
School DistrictLudington
Construction & Systems
StyleRanch
ConstructionBrick
BasementSlab
Garage1 space
HeatingForced Air
WaterPublic
SewerPublic
InteriorCeiling Fan(s)
Sale & Financing
Listed5/6/2026
Sold Date5/26/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$4,325
Tax Year2025
State Equalized Value$161,800
Taxable Value$106,340
Assessed Value$106,340
Homestead (PRE)100%
Parcel #051-244-013-00
Source: Public Records
Legal Description
KASSON'S ADDITION LOTS 13 & 14 BLOCK 4, ALSO THE E 15 FT OF ABAND ST ROW ADJ TO SD LOT.
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 Payton L Haas
Cornerstone Home Group
Frequently Asked Questions about 209 Franklin Street, Ludington, MI 49431
Which school district serves 209 Franklin Street, Ludington, MI 49431?
Per MLS# 26020505, 209 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.
What type of financing is accepted for this listing?
Per MLS# 26020505, this listing accepts Cash, FHA, VA Loan, Conventional financing. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 209 Franklin Street, Ludington, MI 49431?
Per public tax records, annual property taxes for this property are $4,325 (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, 209 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 209 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 209 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.
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Monthly payment$1,556
Principal & interest$1,556
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
209 Franklin Street, Ludington, MI 49431
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Municipality
Ludington
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