Under Contract
420 N ROBERT Street, Ludington, MI 49431
$229,000
MLS # 26017492 (Michigan Regional Information Center (MichRIC))
3 beds1 bath1,076 sqftBuilt 19000.1 acres
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Listing Description
Cottage Near Lake Michigan! 3bed/1bath home with charming front porch is ideally located just five blocks from the sugar sand beaches of Lake Michigan at Stearns Park or Walk only four blocks to the heart of downtown Ludington. The welcoming enclosed 3-season front porch, offers the perfect spot to relax with sunshine and natural light, a fabulous pass through to the Inside, where you'll find spacious living areas, high ceilings, and three comfortable bedrooms. The kitchen features newer appliances, a counter bar, lighting, and plenty of storage. The Spacious main Laundry Room offers a combination Mud room access area off the rear entry; With easy stairs to the Michigan full basement for utilities and plenty of storage areas. Recent updates over the past months include: new flooring, all refreshed throughout interior paint, updated electrical, main bedroom carpeting, siding refresh paint, water/sewer lines, new lighting fixtures and more. see more*
Source: SparkMLS
About this home
This 3-bedroom, 1-bath, 1,076 sq ft home built in 1900 sits in Ludington in Ludington.
Listed at $229,000 (about $213/sq ft).
Estimated annual property tax: $2,207, or about $184 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
Bedrooms3
Bathrooms1
Living Area1,076 sqft
Lot Size0.1 acres
Year Built1900
Stories2
Location
CityLudington
MunicipalityLudington
Zip Code49431
CountyMason
School DistrictLudington
Construction & Systems
StyleTraditional
ConstructionAluminum Siding
BasementCrawl Space, Michigan Basement, Partial
HeatingForced Air, Wall Furnace
WaterPublic
SewerPublic
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Phone Connected, Natural Gas Connected, Cable Connected, Storm Sewer
InteriorCeiling Fan(s), Broadband, Eat-in Kitchen, Pantry
Sale & Financing
Listed4/22/2026
Original Price$257,000
Terms AcceptedCash, FHA, VA Loan, Rural Development, MSHDA, Conventional
Source: SparkMLS
Tax Information
Annual Tax$2,207
Tax Year2025
State Equalized Value$58,600
Taxable Value$37,141
Assessed Value$37,141
Parcel #051-100-054-00
Source: Public Records
Legal Description
ADDITION NO. 4 S 1/2 OF LOT 13 BLOCK 140.
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 Michelle Hernandez Sarto
Five Star RE Ludington
Frequently Asked Questions about 420 N ROBERT Street, Ludington, MI 49431
What school district is 420 N ROBERT Street, Ludington, MI 49431 in?
Per MLS# 26017492, this property is served by Ludington. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What type of financing is accepted for this listing?
Per MLS# 26017492, the seller has indicated this property accepts the following financing types: Cash, FHA, VA Loan, Rural Development, MSHDA, Conventional. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26017492, the most recent reported annual property tax for 420 N ROBERT Street, Ludington, MI 49431 is $2,207 (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 420 N ROBERT 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, 420 N ROBERT 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$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
420 N ROBERT Street, Ludington, MI 49431
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Municipality
Ludington
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