Seller's Agent in 2025
Diana Kovalcik
GREENRIDGE Realty Ludington
(231) 690-5545
81 in this area
213 Total Sales
409 E Filer St Ludington, MI 49431
4
Beds
3.5
Baths
2,251
Sq Ft
8,276
Sq Ft Lot
Highlights
- Victorian Architecture
- Corner Lot: Yes
- Kitchen Island
- Lakeview Elementary School Rated A-
- 1 Car Detached Garage
- Hot Water Heating System
About This Home
As of October 2023Establish your Ludington legacy NOW in this solid Victorian just blocks from Downtown Ludington and James Street. With 4 bedrooms and 4 baths on two levels, you will have plenty of space to spread out and enjoy large gatherings! Whether vacationing or choosing Ludington as your forever home, this property offers delightful, unique rooms, including a main floor Primary Suite with laundry; main floor office with 1/2 bath; separate Parlor and Kitchen/Gathering room: and 3 more bedrooms on the upper level, including two full baths! Recent upgrades include over 20 replacement windows and a new multi-zone boiler with on demand domestic hot water. Siding has been purchased and is on site for the new owner to make this gem shine again! Spacious corner lot with a fenced back yard! This home is ready for you to bring your personal touches and make it a showplace in Downtown Ludington!
Last Agent to Sell the Property
Five Star Real Estate - Ludington License #6506043816 Listed on: 09/07/2023
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $2,545
Year Built
- Built in 1900
Lot Details
- 8,276 Sq Ft Lot
- Lot Dimensions are 60 x 140
- Corner Lot: Yes
- Back Yard Fenced
- Property is zoned R2-A, R2-A
Parking
- 1 Car Detached Garage
- Additional Parking
Home Design
- Victorian Architecture
- Composition Roof
- Vinyl Siding
Interior Spaces
- 2,251 Sq Ft Home
- 2-Story Property
- Replacement Windows
- Living Room with Fireplace
Kitchen
- Range
- Kitchen Island
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
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Sep 7, 2023
Closed on
Oct 13, 2023
Sold by
Swanson Tyler and Swanson Toni
Bought by
Barnard Melanie A and Hubbard Charles J
Seller's Agent
Renee Malburg
Five Star Real Estate - 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
7.84%
Original Mortgage
$239,600
Outstanding Balance
$221,281
Interest Rate
6.55%
Mortgage Type
New Conventional
Estimated Equity
$124,655
Purchase Details
Closed on
Jan 14, 2020
Sold by
Anson Toni
Bought by
Swanson Tyler and Swanson Toni
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
3.75%
Mortgage Type
Stand Alone Refi Refinance Of Original Loan
Purchase Details
Listed on
Jul 2, 2016
Closed on
Dec 21, 2016
Sold by
Henderson John Edward and Henderson Penny S
Bought by
Swider Toni M
Seller's Agent
Pamela Buck
Five Star Real Estate - 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
14.04%
Original Mortgage
$105,900
Interest Rate
4.03%
Purchase Details
Closed on
Apr 1, 2008
Sold by
Pastoor David and Pastoor Christine M
Bought by
Henderson John Edward and Henderson Penny S
Purchase Details
Closed on
Apr 1, 1997
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Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $299,500 | Startitle | |
| Quit Claim Deed | -- | None Available | |
| Warranty Deed | -- | Lighthouse Title | |
| Quit Claim Deed | -- | None Available | |
| Warranty Deed | $30,000 | -- |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $239,600 | New Conventional | |
| Previous Owner | $141,404 | VA | |
| Previous Owner | $143,975 | Stand Alone Refi Refinance Of Original Loan | |
| Previous Owner | $105,900 | No Value Available | |
| Previous Owner | $84,325 | Stand Alone Refi Refinance Of Original Loan | |
| Previous Owner | $90,000 | No Value Available | |
| Previous Owner | $215,000 | Adjustable Rate Mortgage/ARM | |
| Previous Owner | $10,095 | No Value Available |
Source: Public Records
Property History
| Date | Event | Price | Change | Sq Ft Price |
|---|---|---|---|---|
| 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 |
| 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 |
| 11/22/2016 11/22/16 | Pending | -- | -- | -- |
| 07/02/2016 07/02/16 | For Sale | $129,900 | -- | $58 / Sq Ft |
Source: Southwestern Michigan Association of REALTORS®
Tax History Compared to Growth
Tax History
| 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 |
| 2022 | -- | $72,800 | $0 | $0 |
| 2021 | -- | $66,800 | $0 | $0 |
| 2020 | -- | -- | $0 | $0 |
| 2019 | -- | -- | $0 | $0 |
| 2018 | -- | -- | $0 | $0 |
| 2017 | -- | -- | $0 | $0 |
| 2016 | -- | -- | $0 | $0 |
| 2015 | -- | -- | $0 | $0 |
| 2013 | -- | -- | $0 | $0 |
Source: Public Records
Agents Affiliated with this Home
-
Diana Kovalcik
-
Renee Malburg
Seller's Agent in 2023
Renee Malburg
Five Star Real Estate - Ludington
(231) 233-5674
76 in this area
143 Total Sales
-
Pamela Buck
Seller's Agent in 2016
Pamela Buck
Five Star Real Estate - Ludington
(231) 690-3188
61 in this area
153 Total Sales
-
S
Buyer's Agent in 2016
Susan McNamee
CENTURY 21 Bayshore
Map
Source: Southwestern Michigan Association of REALTORS®
MLS Number: 23132874
APN: 051-507-010-00
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