For Sale
4539 S Lakeshore Drive, Ludington, MI 49431
$1,099,000
MLS # 26029161 (Michigan Regional Information Center (MichRIC))
4 beds3 baths4,005 sqftBuilt 19105.3 acres
1 / 45
Listing Description
LAKE MICHIGAN ESTATE WITH HISTORY & HORIZON VIEWS - Rarely does a property of this caliber and historical significance come to market. Set on 5.3 wooded, rolling acres between Ludington and Pentwater, this remarkable 4 bedroom, 3 bathroom, high-bluff estate offers 362 feet of private Lake Michigan frontage, panoramic sunset views, and exceptional privacy. The home was originally built in 1910 neighboring the site of the 1850's ''Trappers Cabin'' - whose foundation remains visible - the home blends rich local history with timeless craftsmanship. The 3-story residence features 4,005 square feet of above-grade living space, highlighted by soaring ceilings, expansive windows, original hardwood floors and woodwork, and unique historical details throughout. Ascend the original staircase to find three expansive bedrooms and the original servants' (pickers) quarters - with some of their names still etched in the chimney brickwork. There is plumbing already in place to turn the
Source: SparkMLS
About this home
4-bedroom, 3-bath, 4,005 sq ft home in Ludington built in 1910.
Currently offered at $1,099,000 (about $274/sq ft).
Annual property taxes run approximately $9,891 ($824/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Great Lakes Energy Cooperative; natural gas by DTE Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms3
Living Area4,005 sqft
Lot Size5.3 acres
Year Built1910
Stories3
Location
CityLudington
MunicipalitySummit Twp
Zip Code49431
CountyMason
School DistrictLudington
Construction & Systems
StyleVictorian
ConstructionWood Siding
BasementFull
Garage2 spaces
HeatingHot Water
WaterWell
SewerSeptic Tank
UtilitiesPhone Connected, Cable Connected, High-Speed Internet
InteriorCeiling Fan(s), Garage Door Opener, Center Island, Eat-in Kitchen
Sale & Financing
Listed6/12/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$9,891
Tax Year2026
Assessed Value$392,457
Parcel #53-014-114-006-00 / 53-014-114-002-35
Source: SparkMLS
Legal Description
Lengthy legal attached in documents.
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 4539 S Lakeshore Drive, Ludington, MI 49431
What school district is 4539 S Lakeshore Drive, Ludington, MI 49431 in?
Per MLS# 26029161, 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 4539 S Lakeshore Drive, Ludington, MI 49431?
Per MLS# 26029161, 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# 26029161, the most recent reported annual property tax for 4539 S Lakeshore Drive, Ludington, MI 49431 is $9,891 (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 4539 S Lakeshore Drive, 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, 4539 S Lakeshore Drive, 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: Great Lakes Energy Cooperative. Gas: DTE Gas Company. Sewer: Septic Tank. Water: Well. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Summit Twp 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$7,128
Principal & interest$7,128
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Great Lakes Energy Cooperative
Co-op
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
4539 S Lakeshore Drive, Ludington, MI 49431
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