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Single Family ResidenceResidential
$275,826$241 / 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 87How 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
Last sold for $83,300 on Sep 17, 1999

406 FRANKLIN ST

LUDINGTON, MI 49431
1
Baths
1,144 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.
0.52 ac
Lot SizeThe size of the land the home sits on, from county records.
1948
Year BuiltThe year the home was originally built, according to county records.

Valuation

$276K
$240K low$312K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$83,300 · Sep 17, 1999

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$273 (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.$153,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$153,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$142,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$306,000

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.26
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
4
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.Single Family Residence
CountyMASON
Lot (acres)The size of the land the home sits on, from county records.0.52
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 · 0.1 mi
M
Oj Dejonge Middle SchoolB+
Middle · Grades 6–8 · 0.2 mi
E
Ludington Elementary SchoolB+
Elementary · Grades PK–5 · 0.9 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%

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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

406 Franklin St 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.

  • Costs more per square foot than 68% of homes in Mason County
  • Smaller than 75% of homes in Ludington 49431
  • Older than 69% of homes in Mason County

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
$86K$982K

This home is worth more than 44% 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$275,826
CheaperTypical $299,717Pricier

Pricier than 44% of homes nearby

Price per ft²$241
CheaperTypical $216Pricier

Pricier than 61% of homes nearby

Living area1,144 ft²
SmallerTypical 1,456 ft²Bigger

Bigger than 25% of homes nearby

Lot size0.52 ac
SmallerTypical 0.42 acBigger

Bigger than 54% of homes nearby

Year built1948
OlderTypical 1961Newer

Newer than 38% of homes nearby

How 406 Franklin St ranks against every home in each area.
MeasureThis homeLudington 49431Mason County
Estimated valuepricier than$275,82644% of homes57% of homes
Price per ft²pricier than$24161% of homes68% of homes
Living areabigger than1,144 ft²25% of homes33% of homes
Lot sizebigger than0.52 ac54% of homes38% of homes
Year builtnewer than194838% of homes31% of homes

About 406 Franklin St

How much is 406 Franklin St, Ludington, MI worth?

The TopHap Estimate for 406 Franklin St, Ludington, MI is $275,826 as of Sep 24, 2026. The likely range is $240,110 to $311,542. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 406 Franklin St, Ludington, MI last sell?

406 Franklin St, Ludington, MI last sold on Sep 17, 1999 for $83,300, according to the county's recorded deed.

How big is 406 Franklin St, Ludington, MI?

406 Franklin St, Ludington, MI has 1 bathrooms, 1,144 square feet of living space and a 0.52-acre lot.

When was 406 Franklin St, Ludington, MI built?

406 Franklin St, Ludington, MI was built in 1948, making it 78 years old.

What schools serve 406 Franklin St, Ludington, MI?

406 Franklin St, 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 406 Franklin St, Ludington, MI compare to other homes in Ludington 49431?

Among the 8,169 homes in Ludington 49431, it is worth more than 44% of them ($275,826 against a typical $299,717), its price per square foot is higher than 61% of them ($241 against a typical $216), it is bigger than 25% of them (1,144 ft² against a typical 1,456 ft²), its lot is bigger than 54% of them (0.52 ac against a typical 0.42 ac) and it is newer than 38% of them (1948 against a typical 1961). Measured against all of Mason County, it is worth more than 57% 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 406 Franklin St, Ludington, MI?

The 2025 property tax bill for 406 Franklin St, Ludington, MI was $273. The county assessed it at $153,000.

More homes on Franklin St

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More homes in Ludington 49431

Assigned schools

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