Sold
404 W Court Street, Ludington, MI 49431
Sold on 05/28/2026 for$212,500
MLS # 26005458 (Michigan Regional Information Center (MichRIC))
3 beds1 bath1,096 sqftBuilt 18900.09 acres
1 / 27
Listing Description
Welcome to your opportunity to own an inviting 3-bedroom bungalow in the heart of beautiful Ludington. Just blocks from the sugar-sand shores of Lake Michigan & only one block off Ludington Avenue, this home places you steps from downtown shops, dining, & year-round festivals. Inside, you'll find 1,000 square feet of warm, character-filled living space. Whether you're searching for a primary residence, vacation retreat, or investment opportunity, this home delivers flexibility and charm in an unbeatable location.The spacious covered front porch is a true highlight — ideal for morning coffee, evening conversations, or simply soaking in the vibrant neighborhood atmosphere. Imagine leaving your car parked and walking to the beach for sunset, grabbing dinner downtown, or enjoying Ludington's lively summer events just moments from your front door.Affordable opportunities this close to the beach & downtown don't come around often. Affordable,charm, convenience. Schedule your showing today!
Source: SparkMLS
About this home
This 3-bedroom, 1-bath, 1,096 sq ft home built in 1890 sits in Ludington in Ludington.
Closed at $212,500 (about $194/sq ft).
Annual property taxes run approximately $2,949 ($246/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. Fiber internet is available at this address with download speeds up to 7,000 Mbps across 10 providers.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms1
Living Area1,096 sqft
Lot Size0.09 acres
Year Built1890
Stories1
Location
CityLudington
MunicipalityLudington
Zip Code49431
CountyMason
School DistrictLudington
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementPartial
Garage1 space
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Connected, Cable Connected
InteriorCeiling Fan(s), Pantry
Sale & Financing
Listed2/13/2026
Sold Date5/27/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$2,949
Tax Year2024
State Equalized Value$94,400
Taxable Value$51,086
Assessed Value$51,086
Parcel #051-105-150-00
Source: Public Records
Legal Description
ORIGINAL PLAT W 63 FT OF LOT 5 BLOCK 16.
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 Marla Zatarga
Five Star RE Ludington
Frequently Asked Questions about 404 W Court Street, Ludington, MI 49431
Which school district serves 404 W Court Street, Ludington, MI 49431?
Per MLS# 26005458, 404 W Court 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# 26005458, 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 404 W Court Street, Ludington, MI 49431?
Per public tax records, annual property taxes for this property are $2,949 (2024). 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, 404 W Court 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 404 W Court 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 internet service is available at this address?
Per FCC Broadband Data Collection filings, fiber internet is available at 404 W Court Street, Ludington, MI 49431. The maximum advertised download speed is 7.0 Gbps. 10 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 404 W Court 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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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$1,556
Principal & interest$1,556
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
FiberDownload
7 Gbps
Upload
7 Gbps
FiberCableLicensed Fixed WirelessGSO SatelliteSatelliteFixed WirelessDSL
10 providers at this address
FCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Consumers Energy Company
Investor-Owned
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
404 W Court Street, Ludington, MI 49431
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Municipality
Ludington
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