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Single Family ResidenceResidential
$86,090$110 / 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
Last sold for $72,000 on Jun 26, 2020

809 N JAMES ST

LUDINGTON, MI 49431
2
Beds
1
Baths
786 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.
0.16 ac
Lot SizeThe size of the land the home sits on, from county records.
1920
Year BuiltThe year the home was originally built, according to county records.

Valuation

$86K
$76K low$96K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$72,000 · Jun 26, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$112 (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.$53,700 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$53,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$49,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$107,400

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.0.16
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(3)

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.

M
Oj Dejonge Middle SchoolB+
Middle · Grades 6–8 · 0.5 mi
H
Ludington High SchoolA-
High · Grades 9–12 · 0.6 mi
E
Ludington Elementary SchoolB+
Elementary · Grades PK–5 · 1.3 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

809 N James 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.

  • Worth less than 96% of homes in Ludington 49431
  • Costs less per square foot than 75% of homes in Mason County
  • Smaller than 95% of homes in Ludington 49431
  • Has a smaller lot than 91% of homes in Mason County
  • Older than 80% 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
$70K$853K

This home is worth more than 4% 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$86,090
CheaperTypical $211,507Pricier

Pricier than 4% of homes nearby

Price per ft²$110
CheaperTypical $147Pricier

Pricier than 26% of homes nearby

Living area786 ft²
SmallerTypical 1,456 ft²Bigger

Bigger than 5% of homes nearby

Lot size0.16 ac
SmallerTypical 0.43 acBigger

Bigger than 16% of homes nearby

Year built1920
OlderTypical 1962Newer

Newer than 26% of homes nearby

How 809 N James St ranks against every home in each area.
MeasureThis homeLudington 49431Mason County
Estimated valuepricier than$86,0904% of homes8% of homes
Price per ft²pricier than$11026% of homes25% of homes
Living areabigger than786 ft²5% of homes10% of homes
Lot sizebigger than0.16 ac16% of homes9% of homes
Year builtnewer than192026% of homes20% of homes

About 809 N James St

How much is 809 N James St, Ludington, MI worth?

The TopHap Estimate for 809 N James St, Ludington, MI is $86,090 as of Aug 30, 2026. The likely range is $75,975 to $96,205. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 809 N James St, Ludington, MI last sell?

809 N James St, Ludington, MI last sold on Jun 26, 2020 for $72,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 809 N James St, Ludington, MI?

809 N James St, Ludington, MI has 2 bedrooms, 1 bathrooms, 786 square feet of living space and a 0.16-acre lot.

When was 809 N James St, Ludington, MI built?

809 N James St, Ludington, MI was built in 1920, making it 106 years old.

What schools serve 809 N James St, Ludington, MI?

809 N James St, Ludington, MI is assigned to Oj Dejonge Middle School (middle), rated B+; Ludington High School (high), rated A-; 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 809 N James St, Ludington, MI compare to other homes in Ludington 49431?

Among the 8,169 homes in Ludington 49431, it is worth more than 4% of them ($86,090 against a typical $211,507), its price per square foot is higher than 26% of them ($110 against a typical $147), it is bigger than 5% of them (786 ft² against a typical 1,456 ft²), its lot is bigger than 16% of them (0.16 ac against a typical 0.43 ac) and it is newer than 26% of them (1920 against a typical 1962). Measured against all of Mason County, it is worth more than 8% 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 809 N James St, Ludington, MI?

The 2025 property tax bill for 809 N James St, Ludington, MI was $112. The county assessed it at $53,700.

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