Sold
404 W Loomis Street, Ludington, MI 49431
Sold on 05/06/2026 for$985,000
MLS # 26012976 (Michigan Regional Information Center (MichRIC))
4 beds3 baths3,119 sqftBuilt 20150.16 acres
1 / 33
Listing Description
CITY OF LUDINGTON - Experience refined coastal living in this stunning 4-bedroom, 3-bath home ideally situated directly across from Ludington Municipal Marina, offering breathtaking views of the marina, Pere Marquette Lake, Lake Michigan, and the iconic SS Badger. This luxury-inspired residence blends elegance, comfort, and location in one exceptional package. The open-concept layout features spacious, light-filled rooms with quality finishes throughout. Hardwood maple flooring flows seamlessly through the kitchen, dining, and living areas, while plush carpeting in the bedrooms and tile in the bathrooms and laundry room add both comfort and practicality. The beautifully designed kitchen boasts a farmhouse sink, a large island with an eat-in bar, and a crisp, modern aesthetic perfect for entertaining. The inviting living room centers around a cozy fireplace and opens through double sliders to a covered first-floor porch - an ideal space to relax and take in the views.
Source: SparkMLS
About this home
This 4-bedroom, 3-bath, 3,119 sq ft home built in 2015 sits in Ludington in Ludington.
Closed at $985,000 (about $316/sq ft).
Property tax estimate: $12,827 per year ($1,069/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
Bathrooms3
Living Area3,119 sqft
Lot Size0.16 acres
Year Built2015
Stories2
Location
CityLudington
MunicipalityLudington
Zip Code49431
CountyMason
School DistrictLudington
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementCrawl Space
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesPhone Connected, Natural Gas Connected, Cable Connected, High-Speed Internet
InteriorCeiling Fan(s), Garage Door Opener, Center Island
Sale & Financing
Listed3/31/2026
Sold Date5/5/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$12,827
Tax Year2026
Assessed Value$312,040
Parcel #53-051-105-243-11
Source: SparkMLS
Legal Description
ORIGINAL PLAT LOTS 11 , BLOCK 48. SPLIT ON 02/09/2015 INTO 051-105-243-07, 051-105-243-09, 051-105-243-11, 051-105-243-12;
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 Debby Stevenson
Greenridge Realty S Rath
Frequently Asked Questions about 404 W Loomis Street, Ludington, MI 49431
What school district is 404 W Loomis Street, Ludington, MI 49431 in?
Per MLS# 26012976, this property is served by Ludington. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What financing options are available for 404 W Loomis Street, Ludington, MI 49431?
Per MLS# 26012976, the seller has indicated this property accepts the following financing types: Cash, Conventional. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26012976, the most recent reported annual property tax for 404 W Loomis Street, Ludington, MI 49431 is $12,827 (2026). 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 404 W Loomis 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, 404 W Loomis 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$6,324
Principal & interest$6,324
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
404 W Loomis Street, Ludington, MI 49431
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Municipality
Ludington
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