Pending
814 N Rath Avenue, Ludington, MI 49431
$270,000
MLS # 26010436 (Michigan Regional Information Center (MichRIC))
3 beds1 bath1,020 sqftBuilt 19250.16 acres
1 / 40
Listing Description
CITY OF LUDINGTON - Welcome home to this 3-bedroom, 1-bath residence full of character and thoughtful updates throughout. With a detached 2-car garage built in 2018 and major mechanical improvements already completed, this home is ready for its next owner. Inside, you'll notice the rounded archways that add unique architectural character to the living spaces. The bedrooms feature beautiful hardwood floors, while the rest of the home has been updated with durable waterproof vinyl flooring for a modern look and easy maintenance. Important updates include new water lines throughout the home and a new water heater, providing added peace of mind. The basement offers clean, dry storage with an epoxy-coated floor and has the potential to be used as additional living, recreation, or hobby space. The 2-car detached garage (2018) adds excellent functionality and includes a gas line already in place, offering great potential for a future heated workspace.
Source: SparkMLS
About this home
This 3-bedroom, 1-bath, 1,020 sq ft home built in 1925 sits in Ludington in Ludington.
Currently offered at $270,000 (about $265/sq ft).
Property tax estimate: $4,034 per year ($336/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
Bathrooms1
Living Area1,020 sqft
Lot Size0.16 acres
Year Built1925
Stories1
Location
CityLudington
MunicipalityLudington
Zip Code49431
CountyMason
School DistrictLudington
Construction & Systems
StyleRanch
ConstructionVinyl Siding
BasementFull
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesPhone Connected, Natural Gas Connected, Cable Connected, High-Speed Internet
InteriorCeiling Fan(s), Garage Door Opener
Sale & Financing
Listed3/17/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$4,034
Tax Year2025
Assessed Value$99,182
Parcel #53-051-235-200-00
Source: SparkMLS
Legal Description
MANUFACTURERS' ADDITION LOT 7 BLOCK 14.
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 Debby Stevenson
Greenridge Realty S Rath
Frequently Asked Questions about 814 N Rath Avenue, Ludington, MI 49431
What school district is 814 N Rath Avenue, Ludington, MI 49431 in?
Per MLS# 26010436, 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 814 N Rath Avenue, Ludington, MI 49431?
Per MLS# 26010436, 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# 26010436, the most recent reported annual property tax for 814 N Rath Avenue, Ludington, MI 49431 is $4,034 (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 814 N Rath Avenue, 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, 814 N Rath Avenue, 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.
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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$1,751
Principal & interest$1,751
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
814 N Rath Avenue, Ludington, MI 49431
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Municipality
Ludington
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