Cass County property record for 108 Orchard St, Dowagiac, MI 49047
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 3 ba · 3,528 sqft · built 1900 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,165 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-160-200-291-00 |
| Primary APN | 14-160-200-291-00 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Building Area | 3,528 sqft Building Perimeter |
| 1st Floor Area | 1,764 sqft |
| Basement Area | 1,764 sqft |
| Unfinished Basement | 1,764 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Area | 360 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 108 ORCHARD ST |
|---|---|
| City | DOWAGIAC |
| State | MI |
| Zip | 49047-1211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | . DW 790 N 1/2 LOTS 37 & 38 PATRICK HAMILTON'S ADD CITY OF DOWAGIAC. |
| Legal Subdivision | PATRICK HAMILTONS ADD |
| Legal Lot Number | 37,38 |
| Jurisdiction | CASS MI |
| Township / Civil Division | DOWAGIAC |
| Census Block Group | 1 |
| Census Block | 1037 |
| 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 Individual Names on Record |
|---|---|
| Mailing Address | 108 ORCHARD ST, DOWAGIAC, MI 49047-1211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS MI |
| Property Address | 108 ORCHARD ST, DOWAGIAC, MI 49047-1211 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2025 |
| Name | Verified Name |
|---|---|
| Address | 108 ORCHARD ST, DOWAGIAC, MI 49047-1211 |
| Investor | Possibly a Property Investor |
| Document Number | 001267/759 |
|---|---|
| Date | Oct 20, 2025 |
| Book Page | 1267/759 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Address | BERRIEN SPRINGS, MI 49103 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Sep 28, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $138,000 (+11.02%) Land $138,000 | $276,000 (+11.02%) Land $276,000 | |
| 2025 | $3,165.00 (+13.44%) Homeowner's exemption | $124,300 (+25.05%) Land $124,300 | $248,600 (+25.05%) Land $248,600 |
| 2023 | $99,400 | $198,800 | |
| 2022 | $2,790.00 |
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 273 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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