Sold
409 E Foster Street, Ludington, MI 49431
Sold on 05/08/2026 for$185,000
MLS # 26011200 (Michigan Regional Information Center (MichRIC))
3 beds1 bath1,236 sqftBuilt 19200.19 acres
1 / 15
Listing Description
Ideally located on a corner lot just blocks from downtown Ludington and the Lake Michigan shoreline, this charming 3-bedroom, 1-bath home offers comfort and convenience. A welcoming enclosed front porch provides a cozy space to relax and enjoy the neighborhood. Inside, you'll find a comfortable layout along with a full basement offering additional storage or workspace. Recent updates include a newer hot water heater and furnace. New roof - 2015. The property also features a detached 2-car garage and is conveniently located near shops, restaurants, parks, and the beach--making it easy to enjoy everything Ludington has to offer.
Source: SparkMLS
About this home
This 3-bedroom, 1-bath, 1,236 sq ft home built in 1920 sits in Ludington in Ludington.
This home sold for $185,000 (about $150/sq ft).
Annual property taxes run approximately $1,603 ($134/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
Bathrooms1
Living Area1,236 sqft
Lot Size0.19 acres
Year Built1920
Stories2
Location
CityLudington
MunicipalityLudington
Zip Code49431
CountyMason
School DistrictLudington
Construction & Systems
ConstructionBrick
BasementFull
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Natural Gas Connected
InteriorCeiling Fan(s), Broadband, Garage Door Opener
Sale & Financing
Listed3/22/2026
Sold Date5/7/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$1,603
Tax Year2025
State Equalized Value$82,000
Taxable Value$39,405
Assessed Value$39,405
Homestead (PRE)100%
Parcel #051-510-010-00
Source: Public Records
Legal Description
RESSEGUIE'S ADDITION LOT 10 BLOCK 10.
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 409 E Foster Street, Ludington, MI 49431
What school district is 409 E Foster Street, Ludington, MI 49431 in?
Per MLS# 26011200, 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# 26011200, 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# 26011200, the most recent reported annual property tax for 409 E Foster Street, Ludington, MI 49431 is $1,603 (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 409 E Foster 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, 409 E Foster 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$1,485
Principal & interest$1,485
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
409 E Foster Street, Ludington, MI 49431
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Municipality
Ludington
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