Under Contract
508 N James Street, Ludington, MI 49431
$399,000
MLS # 26010976 (Michigan Regional Information Center (MichRIC))
5 beds4 baths2,961 sqftBuilt 19000.19 acres
1 / 28
Listing Description
This is currently a 2 unit home with nearly 1500 sq ft of living on each side. Completely remodeled in the last 6 months, this home has 4 new bathrooms (one full and one half on each side), all new appliances (including washer and dryer) on each side, One of the units has a brand new furnace. Both have lots of bright light, new flooring, all fresh paint, and updated kitchens. Each unit has a beautiful staircase and entrances on the James St side, as well as the alley side w several parking spaces. Each unit has a small, yet very clean and painted basement. Roof was new 3-4 years ago, and at some point plumbing (plastic and copper) was replaced, as well as wiring was updated. Owner was a well-respected builder in town and pays attention to detail. Great opportunity in the City of Ludington. Walk downtown to the shops, restaurants, and all the magic Ludington has to offer. Walk or bike to Stearns Beach on Lake Michigan where you'll find a white sandy beach and crystal clear water.
Source: SparkMLS
About this home
Located in Ludington in Ludington, this property offers 5-bedroom, 4-bath, 2,961 sq ft, with original construction dating to 1900.
Asking $399,000 (about $135/sq ft).
Property tax estimate: $3,425 per year ($285/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
Bedrooms5
Bathrooms4
Living Area2,961 sqft
Lot Size0.19 acres
Year Built1900
Stories2
Location
CityLudington
MunicipalityLudington
Zip Code49431
CountyMason
School DistrictLudington
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementPartial
HeatingBaseboard, Forced Air
WaterPublic
SewerPublic
UtilitiesCable Connected, High-Speed Internet
InteriorEat-in Kitchen
Sale & Financing
Listed3/19/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$3,425
Tax Year2025
State Equalized Value$151,300
Taxable Value$58,379
Assessed Value$58,379
Parcel #051-200-059-00
Source: Public Records
Legal Description
TINKHAM'S ADDITION LOT 4 BLOCK 16.
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 Mary Jo Pung
Greenridge Realty S Rath
Frequently Asked Questions about 508 N James Street, Ludington, MI 49431
Which school district serves 508 N James Street, Ludington, MI 49431?
Per MLS# 26010976, 508 N James Street, 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# 26010976, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 508 N James Street, Ludington, MI 49431?
Per public tax records, annual property taxes for this property are $3,425 (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, 508 N James Street, 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 508 N James Street, 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 508 N James Street, Ludington, MI 49431?
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.
What is the crime rate in 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$2,588
Principal & interest$2,588
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
508 N James Street, Ludington, MI 49431
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Municipality
Ludington
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