Cass County property record for 109 Sheldon St, Dowagiac, MI 49047
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,128 sqft · built 1890 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $64,000 (Oct 2012) |
| Tax Bill | $1,607 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Jan 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-160-200-106-00 |
| Primary APN | 14-160-200-106-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,128 sqft Building Perimeter |
| 1st Floor Area | 820 sqft |
| Basement Area | 524 sqft |
| Unfinished Basement | 524 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Area | 864 sqft |
| Street Address | 109 SHELDON ST |
|---|---|
| City | DOWAGIAC |
| State | MI |
| Zip | 49047-1352 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | . DW 219 COM 4 RDS W OF SW COR LOT 11, W.A. STOLLEY ADD, N 16 RDS W 10 RDS S 16 RDS, E 10 RDS TO PL OF BEG. UNPLATTED WAYNE |
| Legal Subdivision | STOLLYS ADD |
| Legal Lot Number | 11 |
| Jurisdiction | CASS MI |
| Township / Civil Division | DOWAGIAC |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 2000 |
109 Sheldon St is owned and occupied by an individual who bought it in October 2012.
Source: Cass County records, as of October 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 SHELDON ST, DT, DOWAGIAC, MI 49047-1352 |
| 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 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CIRCLE FCU |
| Jan 2, 2019 | Deed of Trust, Mortgage · Line of Credit GREATER NILES COMM FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 19, 2012 · Amount on File |
| Deed Sale | Oct 19, 2012 · Amount on File |
| Deed Book / Page | 1049 / 630 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS MI |
| Property Address | 109 SHELDON ST, DOWAGIAC, MI 49047-1352 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2021 |
| Title Company | NEAR NORTH TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | 1194/1755 |
|---|---|
| Date | Apr 23, 2021 |
| Book Page | 1194/1755 |
| Name | CIRCLE FCU |
|---|---|
| Type | Credit Union |
| Address | NILES, MI 49120 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS MI |
| Property Address | 109 SHELDON ST, DOWAGIAC, MI 49047-1352 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2019 |
| Name | Verified Name |
|---|
| Document Number | 1149/1289 |
|---|---|
| Date | Jan 2, 2019 |
| Book Page | 1149/1289 |
| Name | GREATER NILES COMM FCU |
|---|---|
| Type | Credit Union |
| Address | NILES, MI 49120 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jan 28, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 109 Sheldon St was $1,607 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 | $83,700 (+12.05%) Land $83,700 | $167,400 (+12.05%) Land $167,400 | |
| 2025 | $1,607.00 Homeowner's exemption | $74,700 Land $74,700 | $149,400 Land $149,400 |
| 2023 | $56,300 | $112,600 | |
| 2022 | $1,421.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Sheldon 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 109 Sheldon 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 | Indirect within 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 194 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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