Under Contract
5451 Breckenridge Drive, Ludington, MI 49431
$595,000
MLS # 26028642 (Michigan Regional Information Center (MichRIC))
4 beds3 baths3,200 sqftBuilt 20191.36 acres
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Listing Description
Beautiful home built in 2019 in an awesome location minutes from downtown Ludington, Lake Michigan, Hamlin Lake, schools and hospital. Nestled on a wooded 1.3 acre lot at the end of a cul-de-sac, it's the perfect mix of neighborhood and seclusion. The home has main floor primary suite with walk-in closet, plus main floor laundry. Open kitchen, vaulted ceilings and lots of natural light. Lower level was beautifully finished in 2020. 34x19 family room with a contemporary gas fireplace, a kitchenette/wet bar with full fridge and microwave, plus a sliding glass door to the back yard/woods. Lower level also has a full bath with walk-in tile shower, a spacious bedroom with large walk-in closet, and an 11x9 pantry with lots of shelves and room for more ideas. Utility room is in lower level and includes a water softener. The property goes well beyond the mowed backyard for a private and up-north kind of view. Garage is wired for electric car chargers.
Source: SparkMLS
About this home
Located in Ludington, this property offers 4-bedroom, 3-bath, 3,200 sq ft, with original construction dating to 2019.
Listed at $595,000 (about $186/sq ft).
Estimated annual property tax: $5,584, or about $465 monthly. 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
Bedrooms4
Bathrooms3
Living Area3,200 sqft
Lot Size1.36 acres
Year Built2019
Stories1
Location
CityLudington
MunicipalityHamlin Twp
Zip Code49431
CountyMason
School DistrictLudington
Construction & Systems
StyleRanch
ConstructionVinyl Siding
BasementDaylight, Full, Walk-Out Access
Garage2 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
UtilitiesNatural Gas Available, Electricity Available
InteriorBroadband, Garage Door Opener, Wet Bar, Center Island, Eat-in Kitchen, Pantry
Sale & Financing
Listed6/10/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$4,627
Tax Year2026
State Equalized Value$221,800
Taxable Value$181,981
Assessed Value$186,894
Homestead (PRE)100%
Parcel #007-390-005-00
Source: Public Records
Legal Description
PART 101 007 30 NEW 2002 MALLIETT ESTATES LOT 5
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 5451 Breckenridge Drive, Ludington, MI 49431
Which school district serves 5451 Breckenridge Drive, Ludington, MI 49431?
Per MLS# 26028642, 5451 Breckenridge Drive, 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# 26028642, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 5451 Breckenridge Drive, Ludington, MI 49431?
Per public tax records, annual property taxes for this property are $4,627 (2026). 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, 5451 Breckenridge Drive, 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 5451 Breckenridge Drive, 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 5451 Breckenridge Drive, Ludington, MI 49431?
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.
What is the crime rate in this area?
For crime and public safety data, we recommend inquiring directly with the Hamlin Twp police department or the Mason County sheriff's office.
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Tax Estimate
$
Annual tax$5,584
Monthly$465
Millage rate25.1769 mills
Municipality: Hamlin 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
Mortgage Calculator
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Monthly payment$4,324
Principal & interest$3,859
Property taxes$465
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
5451 Breckenridge Drive, Ludington, MI 49431
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