109 Spruce St, Dowagiac, MI 49047 Property Records

Cass County property record for 109 Spruce St, Dowagiac, MI 49047

Property Summary

Property Type	Single Family Home
Details	1 ba · 765 sqft
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$30,000 (Jun 2011)
Tax Bill	$827 (2025)
Flood Zone	Zone X (minimal risk)
APN	`14-160-200-342-00`

Property Details

APN / Parcel Number

Primary APN	`14-160-200-342-00`

Interior

Full Baths	1 Bath
Building Area	765 sqft Building Perimeter
1st Floor Area	612 sqft
Basement Area	612 sqft
Unfinished Basement	612 sqft

Exterior

Lot Area	13,068 sqft (0.3 acres)
Garage Area	312 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	109 SPRUCE ST
City	DOWAGIAC
State	MI
Zip	49047-1214
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	. DW 842 A LOT 92 & W 1/2 LOT 91 PAT. HAMILTON ADD CITY OF DOWAGIAC.
Legal Subdivision	PATRICK HAMILTONS ADD
Legal Lot Number	91,92
Jurisdiction	CASS MI
Township / Civil Division	DOWAGIAC
Census Block Group	1
Census Block	1038
Census Tract	1901

Owner

109 Spruce St is owned and occupied by an individual who bought it in June 2011.

Source: Cass County records, as of October 1, 2026

Owner of Record	Individual Name on File
Mailing Address	109 SPRUCE ST, DOWAGIAC, MI 49047-1214
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2011 · Amount on File
Deed Sale	Jun 15, 2011 · Amount on File
Deed Book / Page	1027 / 52
Record Updated	Oct 29, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 109 Spruce St was $827 with a homeowner's exemption.

Source: Cass County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Cass County
Municipality	Dowagiac City
Unified School District	Dowagiac Union Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$35,100 (+7.34%) Land $35,100	$70,200 (+7.34%) Land $70,200
2025	$827.00 Homeowner's exemption	$32,700 Land $32,700	$65,400 Land $65,400
2023		$26,600	$53,200
2022	$731.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 109 Spruce 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

Wildfire risk around 109 Spruce 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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