Ludington Homes with FHA Listing Terms

Ludington Homes with FHA Listing Terms

Welcome to Ludington, Michigan – a charming coastal community nestled in Mason County, where the beauty of Lake Michigan meets a vibrant small-town atmosphere. Known for its stunning beaches, picturesque parks, and friendly neighborhoods, Ludington is not just a great place to live but also a fantastic place to raise a family, thanks in part to its highly regarded school district.

The Ludington Area School District is dedicated to providing quality education and fostering a supportive environment for students. With a range of academic programs and extracurricular activities, the district emphasizes the importance of developing well-rounded individuals. Families can take comfort in knowing that their children will receive a solid education, equipped with the skills needed for future success. The district's commitment to excellence is reflected in its dedicated staff and diverse learning opportunities, ensuring that every child has the chance to thrive.

For those looking to make Ludington their home, there are numerous housing options available, including properties that qualify for FHA listing terms. This is particularly beneficial for first-time homebuyers or those looking to invest in the area, as FHA loans offer lower down payment requirements and more flexible credit score criteria. Whether you’re seeking a cozy bungalow near the beach or a spacious family home in a welcoming neighborhood, Ludington has something for everyone.

Experience the perfect blend of community spirit, educational excellence, and beautiful surroundings in Ludington, MI. Your dream home awaits!

Newest Ludington Homes with FHA Listing Terms

3 Beds ⋅ 2 Baths ⋅ 26038997 MLS ⋅ ACTIVE Status

Welcome home to this well maintained 3-bedroom, 2-bath home, perfectly situated on a nicely landscaped 1.5-acre lot. Thoughtful recent updates include a conversion to natural gas, a newer furnace and central air system, a remodeled bathroom, and newer appliances, offering comfort and peace of mind. The inviting main level features an open-concept kitchen and dining area that flows seamlessly into the bright living room, highlighted by a charming bay window. The partially finished walk-out lower level offers natural light and sliding glass doors leading to a private patio.Take in the scenic views from both the front and rear covered porches, providing the perfect spots to unwind. Need extra storage or workspace? This property delivers with an attached one-car garage, a 16' x 32' pole barn, and an impressive 32' x 40' pole barn—offering endless possibilities for hobbies, equipment, or recreational vehicles. Conveniently located just minutes south of town. Call for a private tour today!

4890 W Kinney Road, Ludington

3 Beds ⋅ 1 Baths ⋅ 26038497 MLS ⋅ ACTIVE Status

Welcome to your oasis! This wonderful property has lovingly been cultivated with flowers, fruit trees, vegetables and sunflowers! 3 bedrooms, 1 bath, wood floors and tasteful updates make this a must see! The garage off the alley is currently set up as a workout space but could provide parking. Home is within walking distance to downtown and all Ludington has to offer! If you have a green thumb then this is the place for you! Call today!

215 E Melendy Street, Ludington

3 Beds ⋅ 2 Baths ⋅ 20261057334 MLS ⋅ ACTIVE Status

Move-In Ready Home in Juniper Hills – Ludington, MIBeautifully maintained 3-bedroom, 1.5-bath ranch in Juniper Hills, one of Ludington’s most desirable neighborhoods. This move-in-ready home offers spacious living, major recent updates, and a location that’s hard to beat.Major Updates & Features:• New Roof – November 2025• New Well – December 2024• Fresh Exterior Paint – October 2024• New Insulated Exterior Doors• Updated Kitchen• HVAC Recently Serviced• Full Basement• 2-Car Attached Garage• Large Deck & Private BackyardThe home offers two spacious living areas, including a family room with a gas fireplace, along with abundant natural light, stainless steel kitchen appliances, and additional finished living space in the full basement.Outside, the large deck overlooks a peaceful backyard surrounded by mature trees, providing a great setting for entertaining and enjoying West Michigan summers.Conveniently located just minutes from Lake Michigan beaches, Ludington State Park, Corewell Health Hospital, schools, golf courses, marinas, and downtown Ludington shopping and restaurants.Many of the home’s largest ownership expenses have already been completed, giving the next owner the opportunity to simply move in and enjoy.

1439 Ivanhoe Road, Ludington

3 Beds ⋅ 2 Baths ⋅ 26036802 MLS ⋅ ACTIVE Status

MOVE RIGHT IN AND ENJOY! This spacious 3-bedroom, 2-full-bath home is located in the City of Ludington near Pere Marquette Lake, marinas and waterfront park. Immediately you will love the inviting front porch and wrap-around decking. Large, open kitchen with a comfortable eating area and updated appliances, making it perfect for everyday living and gatherings. The convenient main-floor utility room adds to the home's functionality, while the full basement provides plenty of storage. The home has been fully insulated through the Weatherization Program, helping to improve energy efficiency and year-round comfort. Outside, you'll appreciate the detached 2-car garage and the fenced backyard, offering space for pets, play, gardening, or outdoor entertaining. Must see!

615 E Melendy Street, Ludington

3 Beds ⋅ 2 Baths ⋅ 26036629 MLS ⋅ ACTIVE Status

Welcome to 509 N. Delia Street, where classic charm meets thoughtful updates just 1 mile from Stearns Park Beach and downtown Ludington. This beautifully maintained 3-bedroom, 2-bathroom home has been meticulously cared for and extensively improved, offering the perfect combination of character, comfort, and peace of mind. Inside, you'll find beautiful red oak hardwood floors and a bright, inviting interior featuring fresh paint, new carpeting, an updated kitchen with new countertops and a farmhouse sink, and a newly added full bathroom. Behind the scenes, extensive improvements—including updated electrical, PEX plumbing, new central air, added insulation for enhanced efficiency, and newer roof, siding, windows, furnace, and water heater—provide lasting value, improved comfort, and peace of mind for years to come. Outside, the 2-stall garage offers ample space for storage or hobbies. Just minutes from downtown Ludington and Lake Michigan, this home is one you won't want to miss!

509 N Delia Street, Ludington

2 Beds ⋅ 1 Baths ⋅ 26035890 MLS ⋅ ACTIVE Status

Welcome to 1072 N. Brookridge Road, where exceptional energy efficiency meets a fantastic location just minutes from downtown Ludington and a short drive to the shores of Lake Michigan. Situated on approximately 1.46 acres in the desirable Brookridge Subdivision, this beautifully maintained 2-bedroom, 1 spacious bathroom home offers nearly 1,200 square feet of thoughtfully designed main-level living with the added bonus of a full basement for storage or future expansion. One of the home's standout features is the Well Connect dual-fuel geothermal heat pump, providing highly efficient heating and cooling at an unbeatable cost while helping keep utility bills low year-round. Inside, you'll find timeless white oak hardwood flooring throughout, along with a Kinetico water softener, reverse osmosis system, and attractive cedar siding that enhances both curb appeal and durability. Move-in ready and designed with quality, efficiency, and comfort, this home is one you won't want to miss!

1072 N Brookridge Road, Ludington

4 Beds ⋅ 3 Baths ⋅ 26035361 MLS ⋅ ACTIVE Status

This beautiful property is located just Five minutes from downtown Ludington, A Custom Home offering 2938 square feet of finished living space thoughtfully designed with four bedrooms and three bathrooms. Vaulted ceilings and an incredible Walkout Lower Level are waiting for you. The generous lot spans nearly 44 ac, providing substantial outdoor space and some of the best Hunting in the area, as it sits adjacent to State Land. It includes three deer blinds ,one of which is more of a "Framed Tiny Home" over looking the shooting lanes and used as a Deer Camp It also includes a Toilet. A three-stall garage accommodates multiple vehicles and storage needs with convenient access to the home. This well-appointed residence combines comfortable interior living with exceptional land availability, making it a rare opportunity for those seeking space and versatility in their next Home property.

1824 S Pere Marquette Highway, Ludington

4 Beds ⋅ 3 Baths ⋅ 26035119 MLS ⋅ ACTIVE Status

A COMFORTABLE PLACE TO CALL HOME! Nestled on 5.83 beautifully maintained acres, this one-owner home offers a peaceful setting tucked back from the road for added privacy. The impressive outdoor space features underground irrigation, mature landscaping, a fenced garden area, and an above-ground pool—perfect for enjoying the outdoors all summer long. Inside, you'll find a bright, welcoming interior with 4 bedrooms, 3 full baths, and a full walkout basement with an abundance of storage. Pride of ownership is evident throughout this well-maintained home. Additional features include an attached 2-car garage, two storage sheds, and access to the Birch Harbor Backlot Association. With two nearby access points to Bass Lake, you can enjoy year-round recreation just minutes from your doorstep. Located in Mason County in the Ludington School District. Immediate occupancy is available, so you can move in and start enjoying your new home this summer!

4895 W Birch Lane, Pentwater

4 Beds ⋅ 2 Baths ⋅ 20261050865 MLS ⋅ ACTIVE Status

Downtown Ludington Gem — Fully Furnished & Turn-Key! 4 Bed • 2 Full Bath | Prime Location Welcome to this beautifully recently remodeled home in the heart of Ludington—just 5 blocks from Lake Michigan and steps from downtown parks, shops, and dining. Grab a scoop of ice cream at the world-famous House of Flavors, or stroll down to the Ludington Car Ferry—only 1/2 mile away. Perfect for: •. A private residence •. A rental investment •. Or both — live in it and let it earn. This is a rare opportunity to own a turn-key home in one of West Michigan’s most beloved coastal towns.

310 W Court Street, Ludington

2 Beds ⋅ 1 Baths ⋅ 26032981 MLS ⋅ ACTIVE Status

Exceptional waterfront redevelopment opportunity in the heart of Ludington! Located directly across from the Ludington Municipal Marina, this rare offering includes an updated ranch home plus four residential lots (one improved), creating endless possibilities for future development. Potential uses include luxury homes, custom residences, townhomes, or low-rise condominiums (subject to approvals). Occupying nearly three-quarters of a city block, the property offers marina views, excellent frontage, and is just minutes from downtown, parks, beaches, restaurants, and shopping. The existing 2-bedroom, 1-bath home was completely renovated in 2018, including the interior, exterior, and a detached 2-car garage. Both bedrooms offer water views, and public utilities are available. The seller has already consulted with the City and a surveyor regarding future parcel configurations, making this an outstanding opportunity for builders, developers, and investors.

701 W Loomis Street, Ludington

2 Beds ⋅ 1 Baths ⋅ 20261033421 MLS ⋅ ACTIVE Status

Exceptional waterfront-area redevelopment opportunity in the heart of Ludington. Positioned directly across from the Ludington Municipal Marina, this unique offering combines an updated ranch home four residential lots—one improved with an existing home—creating a rare opportunity for future development in one of Ludington's most desirable locations.Whether your vision is a luxury waterfront estate, boutique townhome community, low-rise condominiums, or multiple custom homes, the value here is the land, location, and flexibility. Situated on a prominent corner spanning nearly three-quarters of a city block, the property enjoys marina views, excellent frontage, and close proximity to downtown, waterfront parks, beaches, restaurants, and shopping.The existing two-bedroom, one-bath home was extensively renovated in 2018, including a complete interior and exterior remodel, and is complemented by a detached two-car garage built the same year. Water views from both bedrooms, public utilities, and a move-in-ready home provide immediate usability while future plans are developed.The seller has already consulted with a surveyor and the City regarding future parcel configurations, making this an outstanding opportunity for builders, developers, or investors seeking one of Ludington's most desirable residential locations.Properties with this combination of location, redevelopment potential, and marina views are exceptionally rare. Explore the possibilities and bring your vision to one of Ludington's premier waterfront neighborhoods.

701 W Loomis Street, Ludington

2 Beds ⋅ 1 Baths ⋅ 26032910 MLS ⋅ ACTIVE Status

Completely remodeled and move-in ready, this charming 2-bedroom home offers modern updates, an inviting open floor plan, and abundant natural light throughout. A flexible bonus room provides the perfect space for a family room, home office, or additional sleeping area. The beautifully updated kitchen and bath, main-floor laundry, replacement windows, vinyl siding, and full basement with high ceilings add comfort, convenience, and ample storage. Outside, enjoy the welcoming front porch, spacious back deck, large driveway, and storage shed, all with minimal exterior maintenance. Ideally situated just two blocks from downtown Ludington, you'll love being within walking distance of shopping, restaurants, brewpubs, and marinas, while Sterns Beach on Lake Michigan and Peter Copeyan Park on Pere Marquette Lake are just minutes away. Whether you're looking for a year-round residence, vacation home, or investment property, this beautifully updated home is ready to enjoy.

603 S George Street, Ludington

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