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CondominiumResidential
$824,904$398 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 88How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

116 HARBOR DR

LUDINGTON, MI 49431
3
Beds
3
Baths
2,074 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
2,178 ft²
Lot SizeThe size of the land the home sits on, from county records.
1993
Year BuiltThe year the home was originally built, according to county records.

Valuation

$825K
$725K low$924K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$740 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$387,800 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$387,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$372,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$775,600

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.32
35
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
0
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
50
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
59
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
17
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.8 in
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Condominium
StyleThe architectural style of the home, such as ranch or colonial.Condo/Apartment
CountyMASON
Lot (acres)The size of the land the home sits on, from county records.0.05
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Ludington High SchoolA-
High · Grades 9–12 · 1.2 mi
M
Oj Dejonge Middle SchoolB+
Middle · Grades 6–8 · 1.2 mi
E
Ludington Elementary SchoolB+
Elementary · Grades PK–5 · 2.1 mi

District: Ludington Area School District

Neighborhood · ZIP 49431These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.115
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.76
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.13

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.75%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.17,111
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.156 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$65,767
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$85,121
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.34 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.50%

Owner Tools

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

116 Harbor Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Among the most valuable homes in Mason County
  • Costs more per square foot than 98% of homes in Ludington 49431
  • Bigger than 86% of homes in Mason County
  • Has a smaller lot than 98% of homes in Mason County
  • Newer than 76% of homes in Ludington 49431

What homes are worth in Ludington 49431

Each bar is how many homes fall in that price range. The marker is this home.

This home
$68K$824K

This home is worth more than 98% of homes in Ludington 49431.

How it measures up in Ludington 49431

The dot is this home. The mark in the middle is the typical home in Ludington 49431.

Estimated value$824,904
CheaperTypical $209,973Pricier

Pricier than 98% of homes nearby

Price per ft²$398
CheaperTypical $146Pricier

Pricier than 98% of homes nearby

Living area2,074 ft²
SmallerTypical 1,453 ft²Bigger

Bigger than 82% of homes nearby

Lot size2,178 ft²
SmallerTypical 0.44 acBigger

Bigger than 5% of homes nearby

Year built1993
OlderTypical 1961Newer

Newer than 76% of homes nearby

How 116 Harbor Dr ranks against every home in each area.
MeasureThis homeLudington 49431Mason County
Estimated valuepricier than$824,90498% of homesalmost all homes
Price per ft²pricier than$39898% of homes97% of homes
Living areabigger than2,074 ft²82% of homes86% of homes
Lot sizebigger than2,178 ft²5% of homes2% of homes
Year builtnewer than199376% of homes74% of homes

About 116 Harbor Dr

How much is 116 Harbor Dr, Ludington, MI worth?

The TopHap Estimate for 116 Harbor Dr, Ludington, MI is $824,904 as of Aug 30, 2026. The likely range is $725,480 to $924,328. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 116 Harbor Dr, Ludington, MI last sell?

116 Harbor Dr, Ludington, MI last sold on Nov 13, 2015, according to the county's recorded deed.

How big is 116 Harbor Dr, Ludington, MI?

116 Harbor Dr, Ludington, MI has 3 bedrooms, 3 bathrooms, 2,074 square feet of living space and a 0.05-acre lot.

When was 116 Harbor Dr, Ludington, MI built?

116 Harbor Dr, Ludington, MI was built in 1993, making it 33 years old. It is a condo/apartment home.

What schools serve 116 Harbor Dr, Ludington, MI?

116 Harbor Dr, Ludington, MI is assigned to Ludington High School (high), rated A-; Oj Dejonge Middle School (middle), rated B+; Ludington Elementary School (elementary), rated B+. All sit in Ludington Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 116 Harbor Dr, Ludington, MI compare to other homes in Ludington 49431?

Among the 8,170 homes in Ludington 49431, it is worth more than 98% of them ($824,904 against a typical $209,973), its price per square foot is higher than 98% of them ($398 against a typical $146), it is bigger than 82% of them (2,074 ft² against a typical 1,453 ft²), its lot is bigger than 5% of them (2,178 ft² against a typical 0.44 ac) and it is newer than 76% of them (1993 against a typical 1961). Measured against all of Mason County, it is worth more than almost all homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 116 Harbor Dr, Ludington, MI?

The 2025 property tax bill for 116 Harbor Dr, Ludington, MI was $740. The county assessed it at $387,800.

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