Mason County property record for 5968 3rd St, Ludington, MI 49431
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 990 sqft · built 1920 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $217,500 (Nov 2024) |
| Tax Bill | $1,235 (2024) |
| Deeds & Mortgages | Feb 2021 Refinance Feb 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-023-200-016-00 |
| Primary APN | 010-023-200-016-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 990 sqft Living Area |
| 1st Floor Area | 660 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Lot Area | 17,424 sqft (0.4 acres) |
| Lot Dimensions | 116 ft deep x 149 ft wide |
| Garage Area | 576 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 5968 3RD ST |
|---|---|
| City | LUDINGTON |
| State | MI |
| Zip | 49431-2616 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECTION 23, T18N, R18W. COMMENCING AT THE INTERSECTION OF THIRD STREET AND SHERMAN ROAD, THENCE N 82 50 E, 183.19 ALONG THE C |
| Legal Range | 18W |
| Legal Township | 18N |
| Legal Section | 23 |
| Legal Subdivision | RESSEGUIES SECOND ADDITION |
| Jurisdiction | MASON MI |
| Township / Civil Division | PERE MARQUETTE |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 950500 |
5968 3rd St is owned and occupied by two individuals who bought it in November 2024.
Source: Mason County records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5968 3RD ST, LUDINGTON, MI 49431-2616 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 10, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP |
| Feb 21, 2020 | Warranty Deed, Transfer · FHA Mortgage METRO MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 14, 2024 · Amount on File |
| Deed Sale | Nov 14, 2024 · Amount on File |
| Prior Sale | Feb 21, 2020 · Amount on File |
| Deed Document Number | 20245319 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MASON MI |
| Property Address | 5968 3RD ST, LUDINGTON, MI 49431-2616 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2021R00886 |
|---|---|
| Date | Feb 10, 2021 |
| Instrument | 2021R00886 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Mar 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MASON MI |
| Recording Date | Feb 21, 2020 |
| Property Address | 5968 3RD ST, LUDINGTON, MI 49431-2616 |
| Document Number | 2020R00934 |
| Instrument Date | Feb 18, 2020 |
| Instrument | 2020R00934 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Amount | Amount on Record |
|---|---|
| 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 |
|---|---|
| Address | 5968 3RD ST, LUDINGTON, MI 49431-2616 |
| Document Number | 2020R00935 |
|---|---|
| Date | Feb 21, 2020 |
| Instrument | 2020R00935 |
| Name | METRO MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
Source: Mason County assessment roll, as of July 29, 2025
| Type | Name |
|---|---|
| State | Michigan |
| County | Mason County |
| County Subdivision | Pere Marquette Charter Township |
| Unified School District | Ludington Area School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $72,400 | $144,800 | |
| 2024 | $1,235.00 | ||
| 2023 | $56,600 Land $56,600 | $113,200 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 5968 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 5968 3rd St is low, with less than 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 97% of the US · lower than 93% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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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