934 Pine St, Ludington, MI 49431 Property Records

Mason County property record for 934 Pine St, Ludington, MI 49431

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,104 sqft · built 1974
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Feb 2024)
Tax Bill	$366 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Feb 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`051-353-002-00`

Property Details

APN / Parcel Number

Primary APN	`051-353-002-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Building Area	1,104 sqft Living Area
1st Floor Area	1,104 sqft
Basement Area	1,104 sqft
Unfinished Basement	1,104 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	17,860 sqft (0.41 acres)
Garage Area	528 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	934 PINE ST
City	LUDINGTON
State	MI
Zip	49431-2419
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAGE OF PERE MARQUETTE W 60 FT OF E 81 FT OF LOT 2, BLOCK 3.
Legal Subdivision	VILLAGE OF PERE MARQUETTE LUDI
Legal Block	3
Legal Lot Number	2
Jurisdiction	MASON MI
Township / Civil Division	LUDINGTON
Census Block Group	4
Census Block	4014
Census Tract	950500

Owner

934 Pine St is owned and occupied by two individuals who bought it in February 2024.

Source: Mason County records, as of August 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	934 PINE ST, LUDINGTON, MI 49431-2419
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2026	Deed of Trust, Mortgage WEST SHORE BANK
Feb 1, 2024	Warranty Deed, Transfer · Conventional Mortgage WEST SHORE BANK
Mar 15, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2024 · Amount on File
Deed Sale	Feb 1, 2024 · Amount on File
Prior Sale	Sep 1, 1998 · Amount on File
Deed Document Number	2024417
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MASON MI
Property Address	934 PINE ST, LUDINGTON, MI 49431-2419
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2026R01672
Date	Mar 20, 2026
Instrument	2026R01672

Lender

Name	WEST SHORE BANK
Type	Bank

Agreement

Amount	Amount on Record

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MASON MI
Recording Date	Feb 1, 2024
Property Address	934 PINE ST, LUDINGTON, MI 49431-2419
Document Number	2024R00417
Instrument Date	Jan 31, 2024
Instrument	2024R00417
Transaction Type	Transfer
Record Updated	Feb 20, 2024

Transaction

Amount	Amount on Record
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	934 PINE ST, LUDINGTON, MI 49431-2419

Mortgage

Document Number	2024R00418
Date	Feb 1, 2024
Instrument	2024R00418

Lender

Name	WEST SHORE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2054

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MASON MI
Recording Date	Mar 15, 2021
Property Address	934 PINE ST, LUDINGTON, MI 49431-2419
Document Number	2021R01628
Instrument Date	Mar 12, 2021
Instrument	2021R01628
Transaction Type	Transfer
Record Updated	Jul 26, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2741 OLDN STRONACH RD, MANISTEE, MI 49660-9473

Tax Assessment & Valuation

The 2025 property tax bill for 934 Pine St was $366 with a homeowner's exemption, down 86.1% from the year before.

Source: Mason County assessment roll, as of August 6, 2026

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		$123,700 (+3.51%) Land $123,700	$247,400 (+3.51%)
2025	$366.00 (-86.06%) Homeowner's exemption	$119,500 Land $119,500	$239,000
2024	$2,626.00
2023		$89,000 Land $89,000	$178,000

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

FEMA maps place 934 Pine St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 934 Pine St 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	Direct burnable vegetation

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 78 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
SyncWave Fixed Wireless	200 / 50

May also be available: Frontier, Spectrum, T-Mobile, Verizon.

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