Seller's Agent in 2025
Diana Kovalcik
GREENRIDGE Realty Ludington
(231) 690-5545
174 Total Sales
409 E Filer St Ludington, MI 49431
Estimated Value: $304,000 - $335,405
4
Beds
3.5
Baths
2,315
Sq Ft
$138/Sq Ft
Est. Value
Highlights
- Victorian Architecture
- No HOA
- Kitchen Island
- Corner Lot: Yes
- 2 Car Detached Garage
- Hot Water Heating System
About This Home
As of December 2025This amazing newly updated 4 bedroom, 3 1/2 bath home is full of character and charm! It features a spacious main floor layout that includes a beautiful open kitchen w/large island, two separate living rooms, a dining room, and a primary bedroom w/private bath and walk-in closet plus main floor laundry. Upstairs, you'll find three more bedrooms, one of which has its own ensuite bathroom, along with a second bathroom for the other bedrooms. The home is nicely situated on a corner lot with a private, fenced-in backyard. There have been multiple updates, including new premium plush carpeting on the main floor, fresh paint throughout, new stainless-steel dishwasher, over 20 replacement windows, plus a multi-zone boiler with an on-demand domestic hot water heater installed in 2018. See additional list of all the recent updates. Some furnishings included with a favorable offer. Walking distance to downtown, parks, beaches, dining, pubs, pier, and all that lovely Ludington offers!
Last Agent to Sell the Property
GREENRIDGE Realty Ludington License #6506043981 Listed on: 06/20/2025
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $6,077
Year Built
- Built in 1900
Lot Details
- 8,276 Sq Ft Lot
- Lot Dimensions are 60 x 140
- Privacy Fence
- Corner Lot: Yes
- Back Yard Fenced
Parking
- 2 Car Detached Garage
Home Design
- Victorian Architecture
- Composition Roof
- Aluminum Siding
Interior Spaces
- 2,315 Sq Ft Home
- 2-Story Property
- Replacement Windows
Kitchen
- Range
- Dishwasher
- Kitchen Island
- Disposal
Bedrooms and Bathrooms
- 4 Bedrooms | 1 Main Level Bedroom
Laundry
- Laundry on main level
- Dryer
- Washer
Basement
- Partial Basement
- Crawl Space
Utilities
- Heating System Uses Natural Gas
- Hot Water Heating System
- Natural Gas Water Heater
Community Details
- No Home Owners Association
Ownership History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Jun 20, 2025
Closed on
Dec 18, 2025
Sold by
Bought by
Seller's Agent
Diana Kovalcik
GREENRIDGE Realty Ludington
Buyer's Agent
Monica Owens
Coldwell Banker Anchor-Pentwater
List Price
$349,900
Sold Price
$315,000
Premium/Discount to List
-$34,900
-9.97%
Views
380
Current Estimated Value
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$26,235
Avg. Annual Appreciation
2.67%
Purchase Details
Listed on
Sep 7, 2023
Closed on
Oct 13, 2023
Sold by
Bought by
Seller's Agent
Renee Malburg
Five Star RE Ludington
Buyer's Agent
Diana Kovalcik
GREENRIDGE Realty Ludington
List Price
$320,000
Sold Price
$299,500
Premium/Discount to List
-$20,500
-6.41%
Views
130
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
2.33%
Original Mortgage
$239,600
Interest Rate
0.0655%
Mortgage Type
New Conventional
Purchase Details
Closed on
Jan 14, 2020
Sold by
Bought by
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$143,975
Interest Rate
0.0375%
Mortgage Type
Stand Alone Refi Refinance Of Original Loan
Purchase Details
Listed on
Jul 2, 2016
Closed on
Dec 21, 2016
Sold by
Bought by
Seller's Agent
Pamela Buck
Five Star RE Ludington
Buyer's Agent
Susan McNamee
CENTURY 21 Bayshore
List Price
$129,900
Sold Price
$110,000
Premium/Discount to List
-$19,900
-15.32%
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
11.80%
Original Mortgage
$105,900
Interest Rate
0.0403%
Purchase Details
Closed on
Apr 1, 2008
Sold by
Bought by
Purchase Details
Closed on
Apr 1, 1997
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Home Values in the Area
Average Home Value in this Area
Purchase History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Buyer | Sale Price | Title Company |
|---|---|---|---|
| $315,000 | Talon Group Title & Escrow | ||
| $299,500 | Startitle | ||
| -- | None Available | ||
| -- | Lighthouse Title | ||
| -- | None Available | ||
| $30,000 | -- |
Source: Public Records
Mortgage History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Status | Borrower | Loan Amount |
|---|---|---|---|
| Closed | $239,600 | ||
| Closed | $197,015 | ||
| Closed | $141,404 | ||
| Closed | $143,975 | ||
| Closed | $105,900 | ||
| Closed | $84,325 | ||
| Closed | $90,000 | ||
| Closed | $215,000 | ||
| Closed | $10,095 |
Source: Public Records
Property History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Event | Price | List to Sale | Price per Sq Ft | Prior Sale |
|---|---|---|---|---|---|
| 12/22/2025 12/22/25 | Sold | $315,000 | -3.0% | $136 / Sq Ft | |
| 11/26/2025 11/26/25 | Pending | -- | -- | -- | |
| 11/05/2025 11/05/25 | Price Changed | $324,900 | -1.5% | $140 / Sq Ft | |
| 10/09/2025 10/09/25 | Price Changed | $329,900 | -2.9% | $143 / Sq Ft | |
| 08/30/2025 08/30/25 | Price Changed | $339,900 | -1.4% | $147 / Sq Ft | |
| 08/05/2025 08/05/25 | Price Changed | $344,900 | -1.4% | $149 / Sq Ft | |
| 06/20/2025 06/20/25 | For Sale | $349,900 | +16.8% | $151 / Sq Ft | |
| 10/13/2023 10/13/23 | Sold | $299,500 | +0.2% | $133 / Sq Ft | View Prior Sale |
| 09/16/2023 09/16/23 | Pending | -- | -- | -- | |
| 09/15/2023 09/15/23 | Price Changed | $299,000 | -3.5% | $133 / Sq Ft | |
| 09/12/2023 09/12/23 | Price Changed | $310,000 | -3.1% | $138 / Sq Ft | |
| 09/07/2023 09/07/23 | For Sale | $320,000 | +190.9% | $142 / Sq Ft | |
| 12/21/2016 12/21/16 | Sold | $110,000 | -15.3% | $49 / Sq Ft | View Prior Sale |
| 11/22/2016 11/22/16 | Pending | -- | -- | -- | |
| 07/02/2016 07/02/16 | For Sale | $129,900 | -- | $58 / Sq Ft |
Source: MichRIC
Tax History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $6,077 | $111,900 | $111,900 | $0 |
| 2024 | -- | $102,100 | $102,100 | $0 |
| 2023 | -- | $87,600 | $87,600 | $0 |
Source: Public Records
Agents Affiliated with this Home
-
Diana Kovalcik
-
Monica Owens
Buyer's Agent in 2025
Monica Owens
Coldwell Banker Anchor-Pentwater
(231) 750-2393
322 Total Sales
-
Renee Malburg
Seller's Agent in 2023
Renee Malburg
Five Star RE Ludington
(231) 233-5674
116 Total Sales
-
Pamela Buck
Seller's Agent in 2016
Pamela Buck
Five Star RE Ludington
(231) 690-3188
126 Total Sales
-
S
Buyer's Agent in 2016
Susan McNamee
CENTURY 21 Bayshore
Map
Source: MichRIC
MLS Number: 25029917
APN: 051-507-010-00
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
Information is deemed reliable but not guaranteed.
Copyright 2026 MichRIC, LLC. All rights reserved.
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