Mason County property record for 305 E Stray St, Ludington, MI 49431
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,068 sqft · built 1900 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $100,000 (Oct 2018) |
| Tax Bill | $2,780 (2024) |
| Deeds & Mortgages | Oct 2018 Sale & Mortgage Feb 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-205-058-00 |
| Primary APN | 051-205-058-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,068 sqft Living Area |
| 1st Floor Area | 1,068 sqft |
| Basement Area | 878 sqft |
| Unfinished Basement | 878 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 4,356 sqft (0.1 acres) |
| Garage Area | 200 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 305 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 W 1/2 OF LOT 6 BLOCK 18. |
| Legal Subdivision | TINKHAMS ADDITION |
| Legal Block | 18 |
| Legal Lot Number | 6 |
| Jurisdiction | MASON MI |
| Township / Civil Division | LUDINGTON |
| Census Block Group | 4 |
| Census Block | 4003 |
| 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 | 3718 SUGARBUSH DR, HOWELL, MI 48843-8652 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 1, 2018 | Warranty Deed, Transfer PNC BANK |
| Feb 23, 2018 | Deed of Trust, Mortgage SAFE HARBOR CU |
| Jun 19, 2017 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 1, 2018 · Amount on Record |
| Deed Sale | Oct 1, 2018 · Amount on Record |
| Prior Sale | Jun 19, 2017 · Amount on Record |
| Deed Document Number | 20185361 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MASON MI |
| Recording Date | Oct 1, 2018 |
| Property Address | 305 E STRAY ST, LUDINGTON, MI 49431-1743 |
| Document Number | 2018R05361 |
| Instrument Date | Aug 31, 2018 |
| Instrument | 2018R05361 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 305 E STRAY ST, LUDINGTON, MI 49431-1743 |
| Document Number | 2018R05362 |
|---|---|
| Date | Oct 1, 2018 |
| Instrument | 2018R05362 |
| Name | PNC BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 171 Months |
| Due | Jan 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MASON MI |
| Property Address | 305 E STRAY ST, LUDINGTON, MI 49431-1743 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2018 |
| Name | Verified Name |
|---|
| Document Number | 201800782 |
|---|---|
| Date | Feb 23, 2018 |
| Instrument | 201800782 |
| Name | SAFE HARBOR CU |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 287 Months |
| Due | Jan 1, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MASON MI |
| Recording Date | Jun 19, 2017 |
| Property Address | 305 E STRAY ST, LUDINGTON, MI 49431-1743 |
| Document Number | 2017R03516 |
| Instrument Date | Jun 13, 2017 |
| Instrument | 2017R03516 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $516.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 305 E STRAY ST, LUDINGTON, MI 49431-1743 |
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 | $78,700 (+32.49%) | $157,400 (+32.49%) | |
| 2024 | $2,780.00 | ||
| 2023 | $59,400 Land $59,400 | $118,800 |
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 | 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.
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 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 |
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