Cass County property record for 103 Spruce St, Dowagiac, MI 49047
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,401 sqft · built 1900 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $1,194 (2025) |
| Deeds & Mortgages | Jun 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-160-200-340-00 |
| Primary APN | 14-160-200-340-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,401 sqft Building Perimeter |
| 1st Floor Area | 1,401 sqft |
| Basement Area | 1,401 sqft |
| Unfinished Basement | 1,401 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Area | 352 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 103 SPRUCE ST |
|---|---|
| City | DOWAGIAC |
| State | MI |
| Zip | 49047-1214 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | . DW 841 LOT 89 ALSO E 14 1/2 FT LOT 90 PATRICK HAMILTON'S ADD CITY OF DOWAGIAC. |
| Legal Subdivision | PATRICK HAMILTONS ADD |
| Legal Lot Number | 89,90 |
| Jurisdiction | CASS MI |
| Township / Civil Division | DOWAGIAC |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 1901 |
Source: Cass County records, as of October 1, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 103 SPRUCE ST, DOWAGIAC, MI 49047-1214 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Estate |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | Jun 1, 2022 |
| Property Address | 103 SPRUCE ST, DOWAGIAC, MI 49047-1214 |
| Document Number | 01217/2362 |
| Book / Page | 1217 / 2362 |
| Instrument Date | May 27, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jun 24, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 103 SPRUCE ST, DOWAGIAC, MI 49047-1214 |
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 | $84,700 (+11.15%) Land $84,700 | $169,400 (+11.15%) Land $169,400 | |
| 2025 | $1,194.00 (+13.18%) Homeowner's exemption | $76,200 (+24.51%) Land $76,200 | $152,400 (+24.51%) Land $152,400 |
| 2023 | $61,200 | $122,400 | |
| 2022 | $1,055.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 425 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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