906 Mitchell St, Ludington, MI 49431 Property Records

Mason County property record for 906 Mitchell St, Ludington, MI 49431

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,440 sqft · built 1976
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Jan 2023)
Tax Bill	$4,966 (2024)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051-274-007-10`

Property Details

APN / Parcel Number

Primary APN	`051-274-007-10`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,440 sqft Living Area
1st Floor Area	1,440 sqft
Basement Area	1,440 sqft
Unfinished Basement	1,440 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Lot Area	12,632 sqft (0.29 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	906 MITCHELL ST
City	LUDINGTON
State	MI
Zip	49431-1936
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAWNDALE PARK ADDITION LOTS 9 & 10 BLOCK 4.
Legal Subdivision	LAWNDALE PARK ADDITION
Legal Block	4
Legal Lot Number	9-10
Jurisdiction	MASON MI
Township / Civil Division	LUDINGTON
Census Block Group	5
Census Block	5015
Census Tract	950400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	906 MITCHELL ST, LUDINGTON, MI 49431-1936
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2026	Warranty Deed, Transfer · Conventional Mortgage HUNTINGTON NATIONAL BANK
Jan 17, 2023	Warranty Deed, Transfer · FHA Mortgage MORTGAGE 1 INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2023 · Amount on Record
Deed Sale	Jan 17, 2023 · Amount on Record
Prior Sale	Jul 26, 2016 · Amount on Record
Deed Document Number	2023264
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MASON MI
Recording Date	Jul 21, 2026
Property Address	906 MITCHELL ST, LUDINGTON, MI 49431-1936
Document Number	0000003808
Instrument Date	Jul 15, 2026
Instrument	20263808
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	STAR TITLE SERVICES, STAR TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$265,125.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	852 3RD ST NW, GRAND RAPIDS, MI 49504-5161

Mortgage

Document Number	0000003809,
Date	Jul 21, 2026
Instrument	20263809

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MASON MI
Recording Date	Jan 17, 2023
Property Address	906 MITCHELL ST, LUDINGTON, MI 49431-1936
Document Number	2023R00264
Instrument Date	Jan 13, 2023
Instrument	2023R00264
Transaction Type	Transfer
Record Updated	Feb 8, 2023
Title Company	CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	906 MITCHELL ST, LUDINGTON, MI 49431-1936

Mortgage

Document Number	2023R00265
Date	Jan 17, 2023
Instrument	2023R00265

Lender

Name	MORTGAGE 1 INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

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		$139,200 (+6.34%)	$278,400 (+6.34%)
2025		$130,900 (+27.21%) Land $130,900	$261,800 (+27.21%)
2024	$4,966.00
2023		$102,900 Land $102,900	$205,800

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.

Flood

Source: FEMA National Flood Hazard Layer, effective August 23, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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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