For Sale
509 N Delia Street, Ludington, MI 49431
$439,000
MLS # 26036629 (Michigan Regional Information Center (MichRIC))
3 beds2 baths1,311 sqftBuilt 19550.19 acres
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Listing Description
Welcome to 509 N. Delia Street, where classic charm meets thoughtful updates just 1 mile from Stearns Park Beach and downtown Ludington. This beautifully maintained 3-bedroom, 2-bathroom home has been meticulously cared for and extensively improved, offering the perfect combination of character, comfort, and peace of mind. Inside, you'll find beautiful red oak hardwood floors and a bright, inviting interior featuring fresh paint, new carpeting, an updated kitchen with new countertops and a farmhouse sink, and a newly added full bathroom. Behind the scenes, extensive improvements—including updated electrical, PEX plumbing, new central air, added insulation for enhanced efficiency, and newer roof, siding, windows, furnace, and water heater—provide lasting value, improved comfort, and peace of mind for years to come. Outside, the 2-stall garage offers ample space for storage or hobbies. Just minutes from downtown Ludington and Lake Michigan, this home is one you won't want to miss!
Source: SparkMLS
About this home
Located in Ludington in Ludington, this property offers 3-bedroom, 2-bath, 1,311 sq ft, with original construction dating to 1955.
Currently offered at $439,000 (about $335/sq ft).
Property tax estimate: $2,895 per year ($241/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
Bedrooms3
Bathrooms2
Living Area1,311 sqft
Lot Size0.19 acres
Year Built1955
Stories1
Location
CityLudington
MunicipalityLudington
Zip Code49431
CountyMason
School DistrictLudington
Construction & Systems
StyleRanch
ConstructionVinyl Siding
BasementDaylight, Full
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Available, Natural Gas Connected
InteriorEat-in Kitchen
Sale & Financing
Listed7/15/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$2,895
Tax Year2025
State Equalized Value$62,000
Taxable Value$31,001
Assessed Value$31,838
Homestead (PRE)100%
Parcel #051-205-039-00
Source: Public Records
Legal Description
TINKHAM'S SUBDIVISION OF TINKHAM'S ADDITION LOT 10 BLOCK 11.
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 Megan Gunia
Five Star RE Ludington
Frequently Asked Questions about 509 N Delia Street, Ludington, MI 49431
What school district is 509 N Delia Street, Ludington, MI 49431 in?
Per MLS# 26036629, 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 509 N Delia Street, Ludington, MI 49431?
Per MLS# 26036629, the seller has indicated this property accepts the following financing types: Cash, FHA, VA Loan, Conventional. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26036629, the most recent reported annual property tax for 509 N Delia Street, Ludington, MI 49431 is $2,895 (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 509 N Delia Street, 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, 509 N Delia Street, 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: Consumers Energy Company. Gas: DTE Gas Company. Sewer: Public. Water: Public. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Ludington police department or the Mason County sheriff's office.
Map
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$2,847
Principal & interest$2,847
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
509 N Delia Street, Ludington, MI 49431
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Municipality
Ludington
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