Mason County property record for 903 Elder Ln, Ludington, MI 49431
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,116 sqft · built 1973 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $237 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-295-031-00 |
| Primary APN | 051-295-031-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,116 sqft Living Area |
| 1st Floor Area | 1,116 sqft |
| Basement Area | 1,116 sqft |
| Unfinished Basement | 1,116 sqft |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Lot Area | 12,632 sqft (0.29 acres) |
| Garage Area | 528 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 903 ELDER LN |
|---|---|
| City | LUDINGTON |
| State | MI |
| Zip | 49431-1505 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FOREST HILLS ADDITION LOT 31 & THE E'LY 10 FT OF LOTS 26 & 27. |
| Legal Subdivision | FOREST HILLS ADDITION |
| Legal Lot Number | 26-27 |
| Jurisdiction | MASON MI |
| Township / Civil Division | LUDINGTON |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 950400 |
903 Elder Ln is owner-occupied and held in a trust since August 2002.
Source: Mason County records, as of August 6, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 903 ELDER LN, LUDINGTON, MI 49431-1505 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 | Name on Deed |
|---|---|
| Last Sale | Aug 6, 2002 |
| Deed Sale | Aug 6, 2002 |
| Prior Sale | Apr 1, 1997 · Amount on File |
| Deed Book / Page | 539 / 718 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 903 Elder Ln was $237 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 | $121,700 Land $121,700 | $243,400 | |
| 2025 | $237.00 (-92.4%) Homeowner's exemption | ||
| 2024 | $3,120.00 | ||
| 2023 | $89,100 Land $89,100 | $178,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 903 Elder Ln in Zone X, an area of minimal flood risk.
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 Policies | 2 in force |
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 903 Elder Ln 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 80% of the US · above 51% 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 160 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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