Sold
84 Harbor Drive, Ludington, MI 49431
Sold on 07/15/2026 for$450,000
MLS # 26032051 (Michigan Regional Information Center (MichRIC))
2 beds2 baths1,116 sqftBuilt 19930 acres
1 / 41
Listing Description
CROSSWINDS with BOAT SLIP & GARAGE - Welcome to your lakeside paradise at 84 Harbor Drive! This delightful two-bedroom, two-bathroom condo offers the perfect blend of comfort and pure lakefront joy. The bright, open-concept main level features a living and dining area that flows easily into the kitchen, alongside a comfortable second bedroom, full bath, hallway laundry closet, and beautiful updated flooring. Step out onto your private patio to soak in stunning views of Pere Marquette Lake and watch the iconic S.S. Badger pass by. Upstairs, a spacious loft serves as a private primary suite with an attached bath, and also leaving plenty of extra room for a cozy home office or bonus family space. Peace of mind comes naturally here with fantastic recent updates, including a brand-new condo roof (2024), a new garage roof (2025), and freshly painted exterior wood for crisp curb appeal. The property also includes a convenient detached one-stall garage unit AND it comes with boat slip #6
Source: SparkMLS
About this home
2-bedroom, 2-bath, 1,116 sq ft home in Ludington in Ludington built in 1993.
Closed at $450,000 (about $403/sq ft).
Estimated annual property tax: $7,407, or about $617 monthly. 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 SubtypeCondominium
Bedrooms2
Bathrooms2
Living Area1,116 sqft
Year Built1993
Stories2
Location
CityLudington
MunicipalityLudington
Zip Code49431
CountyMason
School DistrictLudington
Construction & Systems
ConstructionBrick, Wood Siding
BasementSlab
Garage1 space
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesPhone Connected, Natural Gas Connected, Cable Connected, High-Speed Internet
InteriorCeiling Fan(s), Garage Door Opener
Sale & Financing
Listed6/25/2026
Sold Date7/14/2026
Terms AcceptedCash, Conventional
HOA
HOA Fee$2,460 / Annually
IncludesWater, Trash, Snow Removal, Sewer, Lawn/Yard Care, Cable/Satellite
Source: SparkMLS
Tax Information
Annual Tax$7,407
Tax Year2025
Assessed Value$126,254
Parcel #53-051-114-017-00 / 53-051-113-006-00
Source: SparkMLS
Legal Description
53-051-114-017-00: MASON COUNTY CONDOMINIUM PLAN NO. 11 CROSSWINDS LAKESIDE CONDOMINIUM UNIT 17 AND CARPORT #11 AND 53-051-113-006-00: CROSSWINDS LAKESIDE MARINA CONDOMINIUM AS AMENDED. UNIT NO 6.
Property Records
FEMA Flood Zone: Zone AE — 100-year floodplain
Flood insurance required for federally backed mortgages
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 84 Harbor Drive, Ludington, MI 49431
Which school district serves 84 Harbor Drive, Ludington, MI 49431?
Per MLS# 26032051, 84 Harbor 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# 26032051, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 84 Harbor Drive, Ludington, MI 49431?
Per public tax records, annual property taxes for this property are $7,407 (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, 84 Harbor 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 84 Harbor Drive, Ludington, MI 49431 in a flood zone?
Per FEMA flood maps, this property is designated as Zone AE, a high-risk flood area. Flood insurance is required for federally-backed mortgages in this zone. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
What utilities serve 84 Harbor Drive, Ludington, MI 49431?
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.
What is the crime rate in this area?
For crime and public safety data, we recommend inquiring directly with the Ludington police department or the Mason County sheriff's office.
Map
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$3,124
Principal & interest$2,919
HOA$205
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
84 Harbor Drive, Ludington, MI 49431
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Municipality
Ludington
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