Under Contract
891 N White Birch Drive, Ludington, MI 49431
$300,000
MLS # 26019773 (Michigan Regional Information Center (MichRIC))
6 beds2 baths2,200 sqftBuilt 20231.4 acres
1 / 86
Listing Description
Welcome To 891 N White Birch Dr. Ludington. This 6 Bedroom Home is in The Ideal Location For All Your Needs...Country Living, Fantastic Schools, Ludington Shopping, 12 Minutes To The Beach! The Best Of West Michigan Close By! Now You Can Live Where You Have Always Wanted To Be! The Home Is 3 Years Old And It Includes All Stainless Kitchen Appliances, Washer And Dryer, And The Upright Freezer In The Garage. Open Concept At It's Best. Tons Of Natural Light. This Stylish Split Level Offers 2 Bedrooms on The Upper Level, Including A Full Bathroom, and 4 Bedrooms on The Lower Level. (Half Bath Is On The Entry Level) It Sits on 1.2 Acres and Has An Attached 2 Car Garage. Walk Out Through The French Doors From The Dining Room To The Deck Overlooking The Wooded Back Yard. The Large Yard Has a Fire Pit Area And A Landscaped Patio. Nice sealed Storage Shed. The Lower Level (Daylight Basement) Has 5 Egress Windows
Source: SparkMLS
About this home
Located in Ludington, this property offers 6-bedroom, 2-bath, 2,200 sq ft, with original construction dating to 2023.
Currently offered at $300,000 (about $136/sq ft).
Estimated annual property tax: $4,328, or about $361 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
Bedrooms6
Bathrooms2
Living Area2,200 sqft
Lot Size1.4 acres
Year Built2023
Stories2
Location
CityLudington
MunicipalityAmber Twp
Zip Code49431
CountyMason
School DistrictLudington
Construction & Systems
ConstructionVinyl Siding
BasementDaylight
Garage2 spaces
HeatingBaseboard
WaterWell
SewerSeptic Tank
InteriorGarage Door Opener
Sale & Financing
Listed5/3/2026
Original Price$394,900
Terms AcceptedCash, FHA, VA Loan, Conventional
HOA
HOA Fee$200 / Annually
IncludesOther
Source: SparkMLS
Tax Information
Annual Tax$2,970
Tax Year2025
State Equalized Value$159,500
Taxable Value$113,595
Assessed Value$113,595
Homestead (PRE)100%
Parcel #001-045-043-01
Source: Public Records
Legal Description
2022 NEW PARCEL 001-045-042-00 & 043-00 COMB ON 09/16/2021 BROOKRIDGE SITE CONDOMINIUM UNITS 42 & 43
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 Richard Lantz
Five Star Real Estate - Hart
Frequently Asked Questions about 891 N White Birch Drive, Ludington, MI 49431
What school district is 891 N White Birch Drive, Ludington, MI 49431 in?
Per MLS# 26019773, 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# 26019773, the seller has indicated this property accepts the following financing types: Cash, FHA, VA Loan, Conventional. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26019773, the most recent reported annual property tax for 891 N White Birch Drive, Ludington, MI 49431 is $2,970 (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 891 N White Birch Drive, 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, 891 N White Birch Drive, 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: Great Lakes Energy Cooperative. Gas: DTE Gas Company. Sewer: Septic Tank. Water: Well. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Amber Twp police department or the Mason County sheriff's office.
Map
Tax Estimate
$
Annual tax$4,328
Monthly$361
Millage rate27.1352 mills
Municipality: Amber 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$2,323
Principal & interest$1,946
Property taxes$361
HOA$17
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
891 N White Birch Drive, Ludington, MI 49431
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