Under Contract
4745 S Lakeshore Drive, Ludington, MI 49431
$850,000
MLS # 26009670 (Michigan Regional Information Center (MichRIC))
4 beds3 baths2,600 sqftBuilt 20162.61 acres
1 / 35
Listing Description
Enjoy breathtaking Lake Michigan sunsets from this beautiful high-bluff waterfront home featuring 175 feet of private Lake Michigan frontage and over 2.6 acres of peaceful natural surroundings. Built in 2016, this well-maintained 4-bedroom, 3-bath home offers modern comfort along one of the area's most desirable stretches of Lakeshore. Designed to capture the incredible setting, three bedrooms feature full Lake Michigan views, allowing you to wake up to the sights and sounds of the water each day. Large windows provide abundant natural light and showcase the stunning scenery and sunsets. The property offers a wonderful mix of open space and wooded privacy where wildlife is frequently seen. Energy-efficient features include solar panels that help offset electrical costs and a wood-burning stove that assists with heating during colder months. Located just minutes from Ludington, this property is ideal for a year-round home, vacation retreat, or lakeshore getaway. Buyer to verify all data
Source: SparkMLS
About this home
4-bedroom, 3-bath, 2,600 sq ft home in Ludington built in 2016.
Listed at $850,000 (about $327/sq ft).
Annual property taxes run approximately $10,805 ($900/month). Estimate is based on county assessor records and current millage rates; actual tax may vary with PRE status and recent assessment changes.
Electric service is provided by Great Lakes Energy Cooperative; natural gas by DTE Gas Company.
Tour
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms3
Living Area2,600 sqft
Lot Size2.61 acres
Year Built2016
Stories1
Location
CityLudington
MunicipalitySummit Twp
Zip Code49431
CountyMason
School DistrictLudington
Construction & Systems
StyleRanch
ConstructionVinyl Siding
BasementDaylight, Full, Walk-Out Access
Garage2 spaces
HeatingForced Air, Wood
WaterWell
SewerSeptic Tank
UtilitiesElectricity Available, Phone Connected
InteriorCeiling Fan(s), Garage Door Opener, Pantry
Sale & Financing
Listed3/12/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$9,429
Tax Year2025
State Equalized Value$421,600
Taxable Value$364,278
Assessed Value$364,278
Homestead (PRE)100%
Parcel #014-114-011-00
Source: Public Records
Legal Description
XSU-147-B SU-162-B N 175 FT OF S 440 FT OF SW 1/4 OF NW 1/4 OF SEC 14 LYING W OF CO ROAD, & N 175 FT OF S 440 FT OF SE 1/4 OF NE 1/4, SEC. 15, LYING W OF CO ROAD. SECS 14 & 15 T17N R18W. 2.61 A. M/L.
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 Michael Healy
CENTURY 21 Bayshore
Frequently Asked Questions about 4745 S Lakeshore Drive, Ludington, MI 49431
Which school district serves 4745 S Lakeshore Drive, Ludington, MI 49431?
Per MLS# 26009670, 4745 S Lakeshore Drive, Ludington, MI 49431 is in the Ludington boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Ludington directly to confirm enrollment eligibility.
What type of financing is accepted for this listing?
Per MLS# 26009670, this listing accepts Cash, FHA, VA Loan, Conventional financing. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 4745 S Lakeshore Drive, Ludington, MI 49431?
Per public tax records, annual property taxes for this property are $9,429 (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.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 4745 S Lakeshore Drive, Ludington, MI 49431 is in an eligible area. USDA RD loans offer 0% down payment for qualified buyers. Verify current eligibility at the USDA eligibility site, as boundaries are updated periodically.
Is 4745 S Lakeshore Drive, Ludington, MI 49431 in a flood zone?
Per FEMA flood maps, this property is designated as Zone X, a minimal-risk flood area. 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.
What utilities serve 4745 S Lakeshore Drive, Ludington, MI 49431?
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.
What is the crime rate in 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.
Loading map...
Tax Estimate
$
Annual tax$10,805
Monthly$900
Millage rate25.6283 mills
Municipality: Summit TOWNSHIP
School district: LUDINGTON AREA SCHOOL DIST
County: Mason
Estimate based on SEV for a new buyer (taxable value resets to SEV on transfer). Actual taxes may vary. MI Treasury PT Estimator
BETAMulti-Year Tax History
View SEV, Taxable Value, and uncapping difference for this parcel — Mason County public records.
Mortgage Calculator
$
%
$
$
$
Monthly payment$6,414
Principal & interest$5,513
Property taxes$900
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
4745 S Lakeshore Drive, Ludington, MI 49431
View full property history →
Get email alerts for new listings near 4745 S Lakeshore Drive
We’ll notify you when new listings match your interests.
Munro Real Estate · MI Broker #6502405404 · No spam, one-click unsubscribe.