Mason County property record for 404 3rd St, Ludington, MI 49431
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,373 sqft · built 1920 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $100 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-422-004-50 |
| Primary APN | 051-422-004-50 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,373 sqft Living Area |
| 1st Floor Area | 836 sqft |
| Basement Area | 836 sqft |
| Unfinished Basement | 836 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Lot Area | 4,356 sqft (0.1 acres) |
| Garage Area | 432 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 404 3RD ST |
|---|---|
| City | LUDINGTON |
| State | MI |
| Zip | 49431-2523 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ADDITION NO. 2 N 1/2 OF LOT 4 & EASEMENT OVER E 5 FT OF S 1/2 OF LOT 4 FOR ACCESS TO ALLEY BLOCK 102. |
| Legal Subdivision | ADDITION NO. 2 |
| Legal Block | 102 |
| Legal Lot Number | 4 |
| Jurisdiction | MASON MI |
| Township / Civil Division | LUDINGTON |
| Census Block Group | 3 |
| Census Block | 3037 |
| Census Tract | 950500 |
404 3rd St is owned and occupied by two individuals.
Source: Mason County records, as of August 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 404 3RD ST, LUDINGTON, MI 49431-2523 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 404 3rd St was $100 with a homeowner's exemption, down 92.4% from the year before.
Source: Mason County assessment roll, as of August 6, 2026
| 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 | $71,900 Land $71,900 | $143,800 | |
| 2025 | $100.00 (-92.4%) Homeowner's exemption | ||
| 2024 | $1,316.00 | ||
| 2023 | $54,000 Land $54,000 | $108,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 404 3rd St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1986.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 3 (1986–1990) |
| Most Recent Claim | Sep 1990 · erosion |
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 risk around 404 3rd St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 91% 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 295 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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