904 Elder Ln, Ludington, MI 49431 Property Records

Mason County property record for 904 Elder Ln, Ludington, MI 49431

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,560 sqft · built 1962
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Nov 2019)
Tax Bill	$3,653 (2024)
Deeds & Mortgages	Feb 2021 Refinance Nov 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`051-295-034-00`

Property Details

APN / Parcel Number

Primary APN	`051-295-034-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,560 sqft Living Area
1st Floor Area	1,560 sqft
Basement Area	1,560 sqft
Unfinished Basement	1,560 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Lot Area	9,583 sqft (0.22 acres)
Garage Area	336 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	904 ELDER LN
City	LUDINGTON
State	MI
Zip	49431-1506
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOREST HILLS ADDITION LOT 34.
Legal Subdivision	FOREST HILLS ADDITION
Legal Lot Number	34
Jurisdiction	MASON MI
Township / Civil Division	LUDINGTON
Census Block Group	1
Census Block	1031
Census Tract	950400

Owner

904 Elder Ln is owned and occupied by an individual who bought it in November 2019.

Source: Mason County records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	904 ELDER LN, LUDINGTON, MI 49431-1506
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE 1 INC
Nov 26, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage METRO MORTGAGE CO
Jun 19, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage MORTGAGE 1 INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 26, 2019 · Amount on File
Deed Sale	Nov 26, 2019 · Amount on File
Prior Sale	Jun 19, 2019 · Amount on File
Deed Document Number	20196547
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MASON MI
Property Address	904 ELDER LN, LUDINGTON, MI 49431-1506
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R00916
Date	Feb 11, 2021
Instrument	2021R00916

Lender

Name	MORTGAGE 1 INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MASON MI
Recording Date	Nov 26, 2019
Property Address	904 ELDER LN, LUDINGTON, MI 49431-1506
Document Number	2019R06547
Instrument Date	Nov 25, 2019
Instrument	2019R06547
Transaction Type	Transfer
Record Updated	Jul 26, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 N FERRY ST # 1, 1, LUDINGTON, MI 49431-1302

Mortgage

Document Number	2019R06548
Date	Nov 26, 2019
Instrument	2019R06548

Lender

Name	METRO MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	2019R06547
Date	Nov 26, 2019
Instrument	2019R06547

Lender

Name	METRO MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MASON MI
Recording Date	Jun 19, 2019
Property Address	904 ELDER LN, LUDINGTON, MI 49431-1506
Document Number	2019R03422
Instrument Date	Jun 14, 2019
Instrument	2019R03422
Transaction Type	Transfer
Record Updated	Jul 26, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7415 S CAMP DELIGHT RD, MANISTEE, MI 49660-9354

Mortgage

Document Number	2019R03423
Date	Jun 19, 2019
Instrument	2019R03423

Lender

Name	MORTGAGE 1 INC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	2019R03422
Date	Jun 19, 2019
Instrument	2019R03422

Lender

Name	MORTGAGE 1 INC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

Source: Mason County assessment roll, as of July 29, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Mason County
Municipality	Ludington City
Unified School District	Ludington Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$127,700	$255,400
2024	$3,653.00
2023		$99,600 Land $99,600	$199,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 904 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

Wildfire risk around 904 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 171 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: SyncWave.

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