Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$257,023$159 / 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 74How 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 $1,500 on Oct 12, 2001

814 N JAMES ST

LUDINGTON, MI 49431
3
Beds
1.5
Baths
1,620 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.
0.28 ac
Lot SizeThe size of the land the home sits on, from county records.
1942
Year BuiltThe year the home was originally built, according to county records.

Valuation

$257K
$190K low$324K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$1,500 · Oct 12, 2001

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$188 (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.$120,600 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$120,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$114,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$241,200

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.
6
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.0.28
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.

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%

Owner Tools

Do you own this home?
Claim this home

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

814 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.

  • Costs less per square foot than 76% of homes in Ludington 49431
  • Bigger than 68% of homes in Mason County
  • Has a smaller lot than 77% of homes in Mason County
  • Older than 72% 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
$92K$1M

This home is worth more than 38% 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$257,023
CheaperTypical $302,605Pricier

Pricier than 38% of homes nearby

Price per ft²$159
CheaperTypical $216Pricier

Pricier than 24% of homes nearby

Living area1,620 ft²
SmallerTypical 1,454 ft²Bigger

Bigger than 63% of homes nearby

Lot size0.28 ac
SmallerTypical 0.42 acBigger

Bigger than 39% of homes nearby

Year built1942
OlderTypical 1962Newer

Newer than 36% of homes nearby

How 814 N James St ranks against every home in each area.
MeasureThis homeLudington 49431Mason County
Estimated valuepricier than$257,02338% of homes51% of homes
Price per ft²pricier than$15924% of homes32% of homes
Living areabigger than1,620 ft²63% of homes68% of homes
Lot sizebigger than0.28 ac39% of homes23% of homes
Year builtnewer than194236% of homes28% of homes

About 814 N James St

How much is 814 N James St, Ludington, MI worth?

The TopHap Estimate for 814 N James St, Ludington, MI is $257,023 as of Sep 24, 2026. The likely range is $189,767 to $324,279. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 814 N James St, Ludington, MI last sell?

814 N James St, Ludington, MI last sold on Oct 12, 2001 for $1,500, according to the county's recorded deed.

How big is 814 N James St, Ludington, MI?

814 N James St, Ludington, MI has 3 bedrooms, 1.5 bathrooms, 1,620 square feet of living space and a 0.28-acre lot.

When was 814 N James St, Ludington, MI built?

814 N James St, Ludington, MI was built in 1942, making it 84 years old.

What schools serve 814 N James St, Ludington, MI?

814 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 814 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 38% of them ($257,023 against a typical $302,605), its price per square foot is higher than 24% of them ($159 against a typical $216), it is bigger than 63% of them (1,620 ft² against a typical 1,454 ft²), its lot is bigger than 39% of them (0.28 ac against a typical 0.42 ac) and it is newer than 36% of them (1942 against a typical 1962). Measured against all of Mason County, it is worth more than 51% 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 814 N James St, Ludington, MI?

The 2025 property tax bill for 814 N James St, Ludington, MI was $188. The county assessed it at $120,600.

More homes on N James St

Closest homes

More homes in Ludington 49431

Assigned schools

Explore the area

See this home in context

Open 814 N James St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map