Mason County property record for 1003 Mitchell St, Ludington, MI 49431
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,680 sqft · built 2006 |
| Lot Size | 0.62 acres (27,007 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $24,000 (Sep 2006) |
| Tax Bill | $4,460 (2024) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Oct 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-271-009-00 |
| Primary APN | 051-271-009-00 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,680 sqft Living Area |
| 1st Floor Area | 1,680 sqft |
| Basement Area | 1,680 sqft |
| Unfinished Basement | 1,680 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Lot Area | 27,007 sqft (0.62 acres) |
| Garage Area | 576 sqft |
| Street Address | 1003 MITCHELL ST |
|---|---|
| City | LUDINGTON |
| State | MI |
| Zip | 49431-1938 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 11, BLK 1 & LOT 1, BLK 2 ACCORDING TO THE REC PLAT LAWNDALE PARK ADDITION INCL THAT PART OF THE FORMER CSX TRANSP ROW LYI |
| Legal Subdivision | LAWNDALE PARK |
| Legal Block | 1-2 |
| Legal Lot Number | 11 |
| Jurisdiction | MASON MI |
| Township / Civil Division | LUDINGTON |
| Census Block Group | 5 |
| Census Block | 5002 |
| Census Tract | 950400 |
Source: Mason County records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1003 MITCHELL ST, LUDINGTON, MI 49431-1938 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 15, 2026 | Warranty Deed, Transfer · Conventional Mortgage DART BANK |
| Oct 2, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 22, 2006 · Amount on Record |
| Deed Sale | Sep 22, 2006 · Amount on Record |
| Prior Sale | Mar 22, 2005 · Amount on Record |
| Deed Document Number | 20065119 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MASON MI |
| Recording Date | Jul 15, 2026 |
| Property Address | 1003 MITCHELL ST, LUDINGTON, MI 49431-1938 |
| Document Number | 0000003676 |
| Instrument Date | Jun 23, 2026 |
| Instrument | 20263676 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2026 |
| Title Company | LAKESHORE LAND AND TITLE, LAKESHORE LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $246,187.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000003677, |
|---|---|
| Date | Jul 15, 2026 |
| Instrument | 20263677 |
| Name | DART BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MASON MI |
| Property Address | 1003 MITCHELL ST, LUDINGTON, MI 49431-1938 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2025 |
| Name | Verified Name |
|---|
| Document Number | 2025R04852 |
|---|---|
| Date | Oct 2, 2025 |
| Instrument | 2025R04852 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 1, 2040 |
Source: Mason County assessment roll, as of July 29, 2025
| Type | Name |
|---|---|
| State | Michigan |
| County | Mason County |
| Municipality | Ludington City |
| Unified School District | Ludington Area School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $170,300 (+5.58%) | $340,600 (+5.58%) | |
| 2025 | $161,300 (+27.51%) Land $161,300 | $322,600 (+27.51%) | |
| 2024 | $4,460.00 | ||
| 2023 | $126,500 Land $126,500 | $253,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective August 23, 2021
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LUDINGTON serves 8,184 people · EPA ID MI0003960 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2022 |
| Lead | 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 171 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: SyncWave.
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