Sold
5091 W Kinney Road, Ludington, MI 49431
Sold on 06/09/2026 for$460,000
MLS # 20261036581 (Realcomp)
3 beds2 baths2,100 sqftBuilt 20052.43 acres
1 / 36
Listing Description
This peaceful retreat is located on 2.43 wooded acres with over 200 foot of lake frontage on all sports Hopkins Lake. Enjoy the open concept main floor living with a spacious kitchen and dining area, Living room with pellet stove, beautiful hardwood floors and a wood finish on the soaring cathedral ceiling. 2 bedrooms on the main floor with a full bathroom. Loft sitting room overlooks the main floor and also has the same beautiful ceiling treatment. The finished walk-out basement has a large recreation area, third bedroom and a full bathroom. Located between Pentwater and Ludington, the township currently has no short term rental restrictions. Relax and take in the views from decking on three sides of the home overlooking the lake. Access the screened in porch from the lower level walk-out. Space to store you lake toys in the beach front shed with deck. Don't miss your opportunity to enjoy lake front living in this year round home or part time cottage on 100 acre pristine all sports Hopkins Lake.
Source: SparkMLS
About this home
3-bedroom, 2-bath, 2,100 sq ft home in Ludington built in 2005.
Final sale price: $460,000 (about $219/sq ft).
Property tax estimate: $3,709 per year ($309/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Great Lakes Energy Cooperative; natural gas by DTE Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Living Area2,100 sqft
Lot Size2.43 acres
Year Built2005
Stories2
Location
CityLudington
MunicipalityLudington
Zip Code49431
CountyMason
School DistrictLudington
Construction & Systems
ConstructionWood Siding
BasementWalk-Out Access
HeatingForced Air
WaterWell
SewerSeptic Tank
InteriorBasement Finished
Sale & Financing
Listed5/19/2026
Sold Date6/8/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$3,709
Parcel #01411202941
Source: SparkMLS
Legal Description
014-112-029-40 & 014-112-030-00 COMB 12/02/13 NEW 2014 THAT PT OF THE FLW'G DESC THAT LIES W OF S HOPKINS LAKE DR: COMM AT NE COR OF SEC 12 TH N 89 DEG 30'00"W 1667.92 FT ALG N LINE OF SEC 12 TO POB TH N 89 DEG 30'00"W 683.31 FT TH S 30 DEG 14'E 207. 16 FT TH S 03 DEG 42'W 54.94 FT TH S 89 DEG 30'E 584.13 FT N 00 DEG 23'30"W 233.03 FT ALG W LINE OF E 10 ACRES OF NW 1/4 OF NE 1/4 OF SEC 12 TO POB S
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 Michelle McNutt
RE/MAX Classic
Frequently Asked Questions about 5091 W Kinney Road, Ludington, MI 49431
What school district is 5091 W Kinney Road, Ludington, MI 49431 in?
Per MLS# 20261036581, this property is served by Ludington. In Michigan, school district boundaries are set by the state and do not always follow city limits.
Can I use FHA or VA financing for this property?
Per MLS# 20261036581, 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# 20261036581, the most recent reported annual property tax for 5091 W Kinney Road, Ludington, MI 49431 is $3,709. 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 5091 W Kinney Road, 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, 5091 W Kinney Road, 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 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$2,918
Principal & interest$2,918
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
5091 W Kinney Road, Ludington, MI 49431
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