Mason County property record for 609 7th St, Ludington, MI 49431
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,495 sqft · built 1900 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | Individual Name on File |
| Last Sale | $57,000 (Apr 2020) |
| Tax Bill | $1,607 (2024) |
| Deeds & Mortgages | Oct 2020 Line of Credit Apr 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-441-010-00 |
| Primary APN | 051-441-010-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,495 sqft Living Area |
| 1st Floor Area | 1,088 sqft |
| Basement Area | 308 sqft |
| Unfinished Basement | 308 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Area | 768 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 609 7TH ST |
|---|---|
| City | LUDINGTON |
| State | MI |
| Zip | 49431-2653 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ADDITION NO. 2 LOT 10 BLOCK 121. |
| Legal Subdivision | ADDITION NO. 2 |
| Legal Block | 121 |
| Legal Lot Number | 10 |
| Jurisdiction | MASON MI |
| Township / Civil Division | LUDINGTON |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 950500 |
Source: Mason County assessment roll, as of July 29, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 609 7TH ST, LUDINGTON, MI 49431-2653 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 2, 2020 | Deed of Trust, Mortgage · Line of Credit SAFE HARBOR CREDIT UNION |
| Apr 20, 2020 | Warranty Deed, Transfer · Stand-Alone First Mortgage SAFE HARBOR CREDIT UNION |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 20, 2020 · Amount on Record |
| Deed Sale | Apr 20, 2020 · Amount on Record |
| Prior Sale | May 11, 2001 · Amount on Record |
| Deed Document Number | 20202330 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MASON MI |
| Property Address | 609 7TH ST, LUDINGTON, MI 49431-2653 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2020R05898 |
|---|---|
| Date | Oct 2, 2020 |
| Instrument | 2020R05898 |
| Name | SAFE HARBOR CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Nov 1, 2045 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MASON MI |
| Recording Date | Apr 20, 2020 |
| Property Address | 609 7TH ST, LUDINGTON, MI 49431-2653 |
| Document Number | 2020R02330 |
| Instrument Date | Apr 8, 2020 |
| Instrument | 2020R02330 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 501 ADAMS ST, LUDINGTON, MI 49431-2557 |
| Document Number | 2020R02331 |
|---|---|
| Date | Apr 20, 2020 |
| Instrument | 2020R02331 |
| Name | SAFE HARBOR CREDIT UNION |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $51,300 (+26.98%) | $102,600 (+26.98%) | |
| 2024 | $1,607.00 | ||
| 2023 | $40,400 Land $40,400 | $80,800 |
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 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 50 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 |
| SyncWave Fixed Wireless | 200 / 50 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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