190 Harbor Dr, Ludington, MI 49431 Property Records

Mason County property record for 190 Harbor Dr, Ludington, MI 49431

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,072 sqft · built 1996
Lot Size	0.02 acres (871 sqft)
Owner	Company Name on Record
Last Sale	$272,000 (Mar 2006)
Tax Bill	$7,175 (2024)
Flood Zone	Zone X (minimal risk)
APN	`051-117-062-00`

Property Details

APN / Parcel Number

Primary APN	`051-117-062-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,072 sqft Living Area
1st Floor Area	384 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Condo/Apartment
Lot Area	871 sqft (0.02 acres)
Garage Area	304 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	190 HARBOR DR
City	LUDINGTON
State	MI
Zip	49431-8301
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	MASON COUNTY CONDOMINIUM PLAN NO. 5 CROSSWINDS ESTATES CONDOMINIUM AS AMEMDED, UNIT 62.
Legal Subdivision	CROSSWINDS ESTATES
Jurisdiction	MASON MI
Township / Civil Division	LUDINGTON
Census Block Group	3
Census Block	3004
Census Tract	950800

Owner

Source: Mason County records, as of July 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	190 HARBOR DR, LUDINGTON, MI 49431-8301
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2006 · Amount on Record
Deed Sale	Mar 7, 2006 · Amount on Record
Prior Sale	Oct 18, 2002 · Amount on Record
Deed Document Number	2006565
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

Source: Mason County assessment roll, as of July 29, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Mason County
Municipality	Ludington City
Unified School District	Ludington Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$193,000 (+19.73%)	$386,000 (+19.73%)
2024	$7,175.00
2023		$161,200 Land $161,200	$322,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective August 23, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 83% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 121 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000