303 E Stray St, Ludington, MI 49431 Property Records

Mason County property record for 303 E Stray St, Ludington, MI 49431

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,168 sqft · built 1890
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on Record
Last Sale	$87,500 (Jun 2018)
Tax Bill	$1,861 (2024)
Deeds & Mortgages	Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051-205-051-00`

Property Details

APN / Parcel Number

Primary APN	`051-205-051-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,168 sqft Living Area
1st Floor Area	856 sqft
Basement Area	440 sqft
Unfinished Basement	440 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Lot Area	4,356 sqft (0.1 acres)
Garage Area	384 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	303 E STRAY ST
City	LUDINGTON
State	MI
Zip	49431-1743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TINKHAM'S SUBDIVISION OF TINKHAM'S ADDITION E 1/2 OF LOT 1 BLOCK 18.
Legal Subdivision	TINKHAMS ADDITION
Legal Block	18
Legal Lot Number	1
Jurisdiction	MASON MI
Township / Civil Division	LUDINGTON
Census Block Group	4
Census Block	4003
Census Tract	950400

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	Individual Name on Record
Mailing Address	303 E STRAY ST, LUDINGTON, MI 49431-1743
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2018 · Amount on Record
Deed Sale	Jun 26, 2018 · Amount on Record
Prior Sale	Sep 1, 2006 · Amount on Record
Deed Document Number	20183522
Record Updated	Sep 20, 2026

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MASON MI
Recording Date	Jun 26, 2018
Property Address	303 E STRAY ST, LUDINGTON, MI 49431-1743
Document Number	2018R03522
Instrument Date	Jun 22, 2018
Instrument	2018R03522
Transaction Type	Transfer
Record Updated	Jul 26, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	142, LUDINGTON, MI 49431

Mortgage

Document Number	2018R03523
Date	Jun 26, 2018
Instrument	2018R03523

Lender

Name	USAA FEDERAL SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	175 Months
Due	Jan 1, 2033

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		$75,300 (+35.43%)	$150,600 (+35.43%)
2024	$1,861.00
2023		$55,600 Land $55,600	$111,200

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

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.

Wildfire

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

Wildfire Risk	Not rated no burnable land within ember reach

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 416 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20