For Sale
4771 S Lakeshore Drive, Ludington, MI 49431
$545,000
MLS # 26035048 (Michigan Regional Information Center (MichRIC))
5 beds2 baths1,572 sqftBuilt 19661.97 acres
1 / 15
Listing Description
Discover the rare opportunity to own nearly 2 acres with 165 feet of private Lake Michigan frontage in one of Ludington's most sought-after locations. Surrounded by mature trees and breathtaking lake views, this property offers the perfect balance of privacy, natural beauty, and future potential. The home features four main-floor bedrooms and a full bath, while the partially finished basement includes a fifth bedroom, providing flexible space for family, guests, or a home office. The kitchen, living room, and bedrooms have been virtually staged to showcase the possibilities. Whether you choose to enjoy the home as it is, renovate to make it your own, or explore the potential to build your dream waterfront estate (subject to local approvals), opportunities like this are increasingly hard to find. Spend your days on the shoreline, take in unforgettable Lake Michigan sunsets, and experience the peace and beauty of waterfront living—all just minutes from Ludington's beaches,
Source: SparkMLS
About this home
This 5-bedroom, 2-bath, 1,572 sq ft home built in 1966 sits in Ludington.
Currently offered at $545,000 (about $347/sq ft).
Property tax estimate: $7,358 per year ($613/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.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms5
Bathrooms2
Living Area1,572 sqft
Lot Size1.97 acres
Year Built1966
Stories1
Location
CityLudington
MunicipalitySummit Twp
Zip Code49431
CountyMason
School DistrictLudington
Construction & Systems
StyleRanch
ConstructionVinyl Siding
BasementFull, Walk-Out Access
Garage2 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
UtilitiesPhone Available, Electricity Available
InteriorCenter Island, Eat-in Kitchen
Sale & Financing
Listed7/8/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$6,400
Tax Year2025
State Equalized Value$287,100
Taxable Value$245,414
Assessed Value$252,040
Homestead (PRE)100%
Parcel #014-114-012-00
Source: Public Records
Legal Description
X89SU-147-C1-1 SU-162-C1 N 165 FT OF S 265 FT OF SW 1/4 OF NW 1/4 OF SEC 14 LYING W OF COUNTY ROAD AND N 165 FT OF S 265 FT OF SE 1/4 OF NE 1/4 OF SEC 15 EXCEPTING THE FOLLOWINGCOMM AT SE COR THEREOF, ON C.L. OF LAKESHORE DR, TH W'LY 165 FT, TH N'LY 130 FT, TH E'LY PAR TO S BDY TO C.L. OF LAKESHORE DR, TH SE'LY ALG C.L. OF LAKESHORE DR TO POB. SECS 14 & 15 T17N R18W 1.97 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 Jamie Loney
Five Star RE Ludington
Frequently Asked Questions about 4771 S Lakeshore Drive, Ludington, MI 49431
What school district is 4771 S Lakeshore Drive, Ludington, MI 49431 in?
Per MLS# 26035048, 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 4771 S Lakeshore Drive, Ludington, MI 49431?
Per MLS# 26035048, 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# 26035048, the most recent reported annual property tax for 4771 S Lakeshore Drive, Ludington, MI 49431 is $6,400 (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 4771 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, 4771 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.
Map
Tax Estimate
$
Annual tax$7,358
Monthly$613
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
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Monthly payment$4,148
Principal & interest$3,535
Property taxes$613
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
4771 S Lakeshore Drive, Ludington, MI 49431
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