Sold
815 E Filer Street, Ludington, MI 49431
Sold on 03/20/2026 for$195,000
MLS # 26000393 (Michigan Regional Information Center (MichRIC))
2 beds1 bath1,146 sqftBuilt 19300.19 acres
1 / 36
Listing Description
Charming Craftsman just blocks from downtown Ludington! This 2-bedroom, 1-bath home blends timeless character with thoughtful updates, featuring original flooring and trim throughout. The main floor offers an updated kitchen and bath, new appliances, a welcoming living room, dining room with French doors leading to a large rear deck, and a flexible bedroom or office. Upstairs, you'll find a large bedroom with new carpet and a huge walk-in closet. Enjoy outdoor living with a covered front porch, fenced backyard, and detached 2-stall garage. The partially finished basement includes a laundry room and versatile space ideal for a craft area, workshop, hobby room, or home office. A rare find with classic style, modern comfort, and an unbeatable location near shops, dining, and the lakeshore!
Source: SparkMLS
About this home
This 2-bedroom, 1-bath, 1,146 sq ft home built in 1930 sits in Ludington in Ludington.
This home sold for $195,000 (about $170/sq ft).
Annual property taxes run approximately $2,366 ($197/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Fiber internet is available at this address with download speeds up to 7,000 Mbps across 10 providers. Electric service is provided by Consumers Energy Company; natural gas by DTE Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms2
Bathrooms1
Living Area1,146 sqft
Lot Size0.19 acres
Year Built1930
Stories2
Location
CityLudington
MunicipalityLudington
Zip Code49431
CountyMason
School DistrictLudington
Construction & Systems
StyleCraftsman
ConstructionVinyl Siding
BasementFull
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesPhone Connected, Natural Gas Connected, Cable Connected
Sale & Financing
Listed1/4/2026
Sold Date3/19/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$2,366
Tax Year2025
State Equalized Value$78,700
Taxable Value$58,765
Assessed Value$58,765
Homestead (PRE)100%
Parcel #051-329-015-00
Source: Public Records
Legal Description
ADDITION NO. 3 LOT 15 BLOCK 129.
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 Chris Diebel
Dwelling Realty - KW Northern Michigan
Frequently Asked Questions about 815 E Filer Street, Ludington, MI 49431
What school district is 815 E Filer Street, Ludington, MI 49431 in?
Per MLS# 26000393, 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# 26000393, 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# 26000393, the most recent reported annual property tax for 815 E Filer Street, Ludington, MI 49431 is $2,366 (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 815 E Filer 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, 815 E Filer 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.
Is fiber internet available at 815 E Filer Street, Ludington, MI 49431?
Per FCC broadband data, this property has access to fiber internet service. The maximum advertised download speed is 7.0 Gbps. 10 internet providers serve this address. Confirm availability and speeds directly with providers.
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$1,297
Principal & interest$1,297
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
FiberDownload
7 Gbps
Upload
7 Gbps
FiberCableLicensed Fixed WirelessGSO SatelliteSatelliteFixed WirelessDSL
10 providers at this address
FCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Consumers Energy Company
Investor-Owned
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
815 E Filer Street, Ludington, MI 49431
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Municipality
Ludington
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