Under Contract
5989 W Barnhart Road, Ludington, MI 49431
$398,000
MLS # 26018293 (Michigan Regional Information Center (MichRIC))
3 beds1 bath1,092 sqftBuilt 19401 acres
1 / 56
Listing Description
What a Dream come True..3 Bed 1 Full Bath Nestled on a Highly desirable 1 acre corner parcel with stunning waterfront Lake views, walk across the road to the water's edge; this adorable turn-key cottage is the perfect retreat or year-round home. Beautifully updated with New furnace,roof,windows,and numerous additional improvements, this charming property offers comfort,style and peace of mind. Fully furnished and tastefully decorated, Most everything is included-just bring your suitcase and fishing equipment to start enjoying Lake Life immediately. With plenty of space to relax,entertain,or expand on the generous acre of land, this RARE gem combines privacy,convenience,and breathtaking scenery in one exceptional package.
Source: SparkMLS
About this home
3-bedroom, 1-bath, 1,092 sq ft home in Ludington built in 1940.
Currently offered at $398,000 (about $364/sq ft).
Annual property taxes run approximately $2,236 ($186/month). 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
Bedrooms3
Bathrooms1
Living Area1,092 sqft
Lot Size1 acres
Year Built1940
Stories2
Location
CityLudington
MunicipalityHamlin Twp
Zip Code49431
CountyMason
School DistrictLudington
Construction & Systems
StyleOther
ConstructionAluminum Siding, Block, Concrete
BasementFull
HeatingENERGY STAR Qualified Equipment, Forced Air
WaterPrivate Water, Well
SewerSeptic Tank
UtilitiesNatural Gas Available, Electricity Available, Phone Connected, Natural Gas Connected, Cable Connected, High-Speed Internet
InteriorCeiling Fan(s), Broadband, Eat-in Kitchen, Pantry
Sale & Financing
Listed4/27/2026
Original Price$450,000
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$3,281
Tax Year2025
State Equalized Value$88,800
Taxable Value$69,450
Assessed Value$69,450
Parcel #007-002-096-00
Source: Public Records
Legal Description
X90SPLIT 1988 SPLIT 1989 COMM AT SW COR OF GOV'T LOT 6 TH N ALG SEC LINE 916.7 FT TO POB TH S 87 DEG 18'00''E 138.79 FT TH S 26 DEG 16'00''E 221.67 FT TH N 89 DEG 41'15''W 236.74 FT TH N 00 DEG 00'00''E ALG N-S 1/4 LINE 204.03 FT TO POB SEC 2 T19N R18W 1 A M/L
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 Hernandez Sarto
Five Star RE Ludington
Frequently Asked Questions about 5989 W Barnhart Road, Ludington, MI 49431
Which school district serves 5989 W Barnhart Road, Ludington, MI 49431?
Per MLS# 26018293, 5989 W Barnhart Road, 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 financing options are available for 5989 W Barnhart Road, Ludington, MI 49431?
Per MLS# 26018293, 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 5989 W Barnhart Road, Ludington, MI 49431?
Per public tax records, annual property taxes for this property are $3,281 (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, 5989 W Barnhart Road, 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 5989 W Barnhart Road, 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 5989 W Barnhart Road, Ludington, MI 49431?
Per Michigan Public Service Commission service territory data: Electric: Great Lakes Energy Cooperative. Gas: DTE Gas Company. Sewer: Septic Tank. Water: Private 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.
Map
Tax Estimate
$
Annual tax$2,236
Monthly$186
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
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$2,768
Principal & interest$2,581
Property taxes$186
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
5989 W Barnhart Road, Ludington, MI 49431
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