Cass County property record for 103 N Mill St, Dowagiac, MI 49047
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 963 sqft · built 1920 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Last Sale | $110,000 (Jun 2022) |
| Tax Bill | $1,522 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Jun 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-160-300-169-00 |
| Primary APN | 14-160-300-169-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 963 sqft Building Perimeter |
| 1st Floor Area | 963 sqft |
| Basement Area | 963 sqft |
| Unfinished Basement | 963 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Area | 480 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 103 N MILL ST |
|---|---|
| City | DOWAGIAC |
| State | MI |
| Zip | 49047-1443 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | . DW 1063 COM 4 RDS S OF NE COR LOT 3, S 50 FT, W 8 RDS, N 50 FT, E 8 RDS TO PL OF BEG. HARTER-ANDREWS-BLISH ADD CITY OF |
| Legal Subdivision | HARTER-ANDREWS-BLISH ADD |
| Legal Lot Number | 3 |
| Jurisdiction | CASS MI |
| Township / Civil Division | DOWAGIAC |
| Census Block Group | 5 |
| Census Block | 5020 |
| Census Tract | 2000 |
103 N Mill St is owned and occupied by an individual who bought it in June 2022.
Source: Cass County records, as of October 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 103 N MILL ST, DOWAGIAC, MI 49047-1443 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Jun 10, 2022 | Warranty Deed, Transfer · FHA Mortgage HALLMARK HOME MORTGAGE LLC |
| May 5, 2021 | Warranty Deed, Transfer CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 10, 2022 · Amount on File |
| Deed Sale | Jun 10, 2022 · Amount on File |
| Prior Sale | May 5, 2021 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS MI |
| Property Address | 103 N MILL ST, DOWAGIAC, MI 49047-1443 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2023 |
| Title Company | CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 001195/215 |
|---|---|
| Date | Apr 29, 2021 |
| Book Page | 1195/215 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | Jun 10, 2022 |
| Property Address | 103 N MILL ST, DOWAGIAC, MI 49047-1443 |
| Document Number | 01218/1269 |
| Book / Page | 1218 / 1269 |
| Instrument Date | Jun 6, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jun 24, 2022 |
| Title Company | CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN IN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $825.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 103 N MILL ST, DOWAGIAC, MI 49047-1443 |
| Document Number | 0012181272 |
|---|---|
| Date | Jun 10, 2022 |
| Instrument | 1218-1272 |
| Name | HALLMARK HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | May 5, 2021 |
| Property Address | 103 N MILL ST, DOWAGIAC, MI 49047-1443 |
| Document Number | 1195/761 |
| Book / Page | 1195 / 761 |
| Instrument Date | Apr 23, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2021 |
| Title Company | CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC |
| Amount | Amount on Record |
|---|---|
| Tax | $559.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 103 N MILL ST, DOWAGIAC, MI 49047-1443 |
The 2025 property tax bill for 103 N Mill St was $1,522 with a homeowner's exemption.
Source: Cass County assessment roll, as of October 1, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Cass County |
| Municipality | Dowagiac City |
| Unified School District | Dowagiac Union Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $49,600 (+16.16%) Land $49,600 | $99,200 (+16.16%) Land $99,200 | |
| 2025 | $1,522.00 Homeowner's exemption | $42,700 Land $42,700 | $85,400 Land $85,400 |
| 2023 | $33,500 | $67,000 | |
| 2022 | $1,231.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 103 N Mill St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 5, 2007
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 103 N Mill St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | DOWAGIAC serves 6,350 people · EPA ID MI0001860 |
|---|---|
| Water Source | Groundwater |
| Lead | 6 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 471 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Surf Internet Fiber | 8,000 / 8,000 |
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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