Sold
509 E Filer Street, Ludington, MI 49431
Sold on 03/13/2026 for$370,000
MLS # 26002066 (Michigan Regional Information Center (MichRIC))
3 beds2 baths1,958 sqftBuilt 19030.19 acres
1 / 45
Listing Description
Beautifully updated 1903 home on a spacious corner lot, blending classic charm with modern comfort. This 3-bedroom, 2-full-bath home features updated plumbing and electrical, an energy-efficient heating and cooling system with a new furnace, and stainless steel appliances. Thoughtful touches include cabinet lighting and Bluetooth speakers in the bathrooms. The property offers a full basement for storage and a detached 3-car garage with a recently replaced roof. Ideally located near downtown Ludington's shopping, dining, and museums, and just a short distance to Stearns Park and the Lake Michigan public beach.
Source: SparkMLS
About this home
Located in Ludington in Ludington, this property offers 3-bedroom, 2-bath, 1,958 sq ft, with original construction dating to 1903.
Closed at $370,000 (about $189/sq ft).
Annual property taxes run approximately $4,080 ($340/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. Fiber internet is available at this address with download speeds up to 7,000 Mbps across 10 providers.
Tour
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Living Area1,958 sqft
Lot Size0.19 acres
Year Built1903
Stories2
Location
CityLudington
MunicipalityLudington
Zip Code49431
CountyMason
School DistrictLudington
Construction & Systems
StyleCraftsman
ConstructionOther
BasementFull
Garage3 spaces
HeatingForced Air
WaterPublic
SewerPublic
InteriorEat-in Kitchen
Sale & Financing
Listed1/15/2026
Sold Date3/12/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$4,080
Tax Year2025
State Equalized Value$104,600
Taxable Value$98,357
Assessed Value$98,357
Homestead (PRE)100%
Parcel #051-306-010-00
Source: Public Records
Legal Description
RESSEGUIE'S ADDITION LOT 10 BLOCK 6.
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 Peacock
Peacock Real Estate
Frequently Asked Questions about 509 E Filer Street, Ludington, MI 49431
Which school district serves 509 E Filer Street, Ludington, MI 49431?
Per MLS# 26002066, 509 E Filer 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# 26002066, 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 509 E Filer Street, Ludington, MI 49431?
Per public tax records, annual property taxes for this property are $4,080 (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, 509 E Filer 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 509 E Filer 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 internet service is available at this address?
Per FCC Broadband Data Collection filings, fiber internet is available at 509 E Filer Street, Ludington, MI 49431. The maximum advertised download speed is 7.0 Gbps. 10 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 509 E Filer 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$2,465
Principal & interest$2,465
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
FiberDownload
7 Gbps
Upload
7 Gbps
FiberCableLicensed Fixed WirelessGSO SatelliteSatelliteFixed WirelessDSL
10 providers at this address
FCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Consumers Energy Company
Investor-Owned
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
509 E Filer Street, Ludington, MI 49431
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Municipality
Ludington
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