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CondominiumResidential
$154,359
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 65How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

20 HARBOR DR

LUDINGTON, MI 49431
Building report
1
Baths
234 ft²
Lot SizeThe size of the land the home sits on, from county records.
1998
Year BuiltThe year the home was originally built, according to county records.

Valuation

$154K
$100K low$208K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$28 (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.$9,800 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$9,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$10,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$19,600

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.25
1
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.
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.minimal

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
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

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 · 1.3 mi
E
Ludington Elementary SchoolB-
Elementary · Grades PK–5 · 2.2 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

20 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.

  • Worth less than 91% of homes in Ludington 49431
  • Among the smallest lots in Ludington 49431
  • Newer than 81% 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
$97K$995K

This home is worth more than 9% 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$154,359
CheaperTypical $302,362Pricier

Pricier than 9% of homes nearby

Lot size234 ft²
SmallerTypical 0.43 acBigger

Smaller than almost all homes nearby

Year built1998
OlderTypical 1962Newer

Newer than 81% of homes nearby

How 20 Harbor Dr ranks against every home in each area.
MeasureThis homeLudington 49431Mason County
Estimated valuepricier than$154,3599% of homes20% of homes
Lot sizebigger than234 ft²almost no homesalmost no homes
Year builtnewer than199881% of homes81% of homes

About 20 Harbor Dr

How much is 20 Harbor Dr, Ludington, MI worth?

The TopHap Estimate for 20 Harbor Dr, Ludington, MI is $154,359 as of Sep 24, 2026. The likely range is $100,311 to $208,407. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20 Harbor Dr, Ludington, MI last sell?

20 Harbor Dr, Ludington, MI last sold on May 22, 2000, according to the county's recorded deed.

When was 20 Harbor Dr, Ludington, MI built?

20 Harbor Dr, Ludington, MI was built in 1998, making it 28 years old. It is a condo/apartment home.

What schools serve 20 Harbor Dr, Ludington, MI?

20 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 20 Harbor Dr, Ludington, MI compare to other homes in Ludington 49431?

Among the 8,169 homes in Ludington 49431, it is worth more than 9% of them ($154,359 against a typical $302,362), its lot is bigger than almost none of them (234 ft² against a typical 0.43 ac) and it is newer than 81% of them (1998 against a typical 1962). Measured against all of Mason County, it is worth more than 20% of 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 20 Harbor Dr, Ludington, MI?

The 2025 property tax bill for 20 Harbor Dr, Ludington, MI was $28. The county assessed it at $9,800.

More homes on Harbor Dr

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More homes in Ludington 49431

Assigned schools

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