Under Contract
406 N Rowe Street, Ludington, MI 49431
$340,000
MLS # 26024025 (Michigan Regional Information Center (MichRIC))
4 beds2 baths2,464 sqftBuilt 19040.19 acres
1 / 39
Listing Description
This lovely 4 bedroom, 2 full bath brick home was completely renovated in 2015! New roof, windows, drywall, insulation, electrical, plumbing, kitchen, bathrooms, and flooring throughout. The large gathering spaces have a beachy/farmhouse vibe 2 bedrooms, a full bath with laundry and a well appointed kitchen complete with walk in pantry are key features of this versatile main floor. The upper level provides 2 unique bedrooms and another full bath. Added upgrades to make Northern Michigan living more comfortable include central air and composite decking on the spacious side deck! You will find this location, just blocks from Downtown, Marina Park, Stearns Park Beach and more the perfect setting for year around living or a desirable second home. The fenced yard, 2 car garage and alley access add versatile outside spaces to make your own. Even the basement offers flexible finished space for a home office or den! Secure this incredible home now and start inviting friends for SUMMER!
Source: SparkMLS
About this home
This 4-bedroom, 2-bath, 2,464 sq ft home built in 1904 sits in Ludington in Ludington.
Listed at $340,000 (about $138/sq ft).
Estimated annual property tax: $3,984, or about $332 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 Area2,464 sqft
Lot Size0.19 acres
Year Built1904
Stories2
Location
CityLudington
MunicipalityLudington
Zip Code49431
CountyMason
School DistrictLudington
Construction & Systems
StyleTraditional
ConstructionBrick
BasementCrawl Space, Full
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Connected, Cable Connected, High-Speed Internet
Sale & Financing
Listed6/30/2026
Original Price$350,000
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$3,984
Tax Year2025
State Equalized Value$104,200
Taxable Value$97,945
Assessed Value$97,945
Homestead (PRE)100%
Parcel #051-205-031-00
Source: Public Records
Legal Description
TINKHAM'S SUBDIVISION OF TINKHAM'S ADDITION LOT 3 BLOCK 11.
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 Renee Malburg
Five Star RE Ludington
Frequently Asked Questions about 406 N Rowe Street, Ludington, MI 49431
What school district is 406 N Rowe Street, Ludington, MI 49431 in?
Per MLS# 26024025, this property is served by Ludington. In Michigan, school district boundaries are set by the state and do not always follow city limits.
Can I use FHA or VA financing for this property?
Per MLS# 26024025, 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# 26024025, the most recent reported annual property tax for 406 N Rowe Street, Ludington, MI 49431 is $3,984 (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 406 N Rowe 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, 406 N Rowe 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.
Map
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$2,205
Principal & interest$2,205
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
406 N Rowe Street, Ludington, MI 49431
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Municipality
Ludington
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