Cass County property record for 203 Spruce St, Dowagiac, MI 49047
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,598 sqft · built 1920 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $225,000 (Jun 2023) |
| Tax Bill | $3,614 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Jun 2023 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-160-200-395-00 |
| Primary APN | 14-160-200-395-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,598 sqft Building Perimeter |
| 1st Floor Area | 968 sqft |
| Basement Area | 900 sqft |
| Unfinished Basement | 900 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Area | 240 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 203 SPRUCE ST |
|---|---|
| City | DOWAGIAC |
| State | MI |
| Zip | 49047-1236 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DW 893-4 PART LOTS 132 & 133 DESC AS: COM 10 FT W OF NW COR LOT 132, TH S 110 FT, E 72 FT, N 110 FT, W 72 FT TO BEG. PATRICK |
| Legal Subdivision | PATRICK HAMILTONS SECOND ADDITION |
| Legal Lot Number | 132,133 |
| Jurisdiction | CASS MI |
| Township / Civil Division | DOWAGIAC |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 1901 |
Source: Cass County records, as of October 1, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 203 SPRUCE ST, DOWAGIAC, MI 49047-1236 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 24, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CHURCHILL MORTGAGE CORP |
| Jun 29, 2023 | Warranty Deed, Transfer · Conventional Mortgage HONOR CU |
| Aug 8, 2022 | Deed of Trust, Mortgage · Line of Credit NOTRE DAME FCU |
| Sep 19, 2018 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Mar 27, 2018 | Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 29, 2023 · Amount on File |
| Deed Sale | Jun 29, 2023 · Amount on File |
| Prior Sale | Mar 27, 2018 · Amount on File |
| Deed Document Number | 2023204398 |
| Deed Book / Page | 1234 / 606 |
| Prior Transfer Date | Dec 9, 2009 |
| Prior Transfer Doc | 1005/1077 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS MI |
| Property Address | 203 SPRUCE ST, DOWAGIAC, MI 49047-1236 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 203 SPRUCE ST, DOWAGIAC, MI 49047-1236 |
| Document Number | 01272/1478 |
|---|---|
| Date | Feb 24, 2026 |
| Book Page | 1272/1478 |
| Name | CHURCHILL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | BRENTWOOD, TN 37027 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | Jun 29, 2023 |
| Property Address | 203 SPRUCE ST, DOWAGIAC, MI 49047-1236 |
| Document Number | 001234/606 |
| Book / Page | 1234 / 606 |
| Instrument Date | Jun 20, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,687.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 203 SPRUCE ST, DOWAGIAC, MI 49047-1236 |
| Name | Verified Name |
|---|---|
| Address | 27032 MARCELLUS HWY, DOWAGIAC, MI 49047-8718 |
| Document Number | 0012340609 |
|---|---|
| Date | Jun 29, 2023 |
| Instrument | 1234-0609 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS MI |
| Property Address | 203 SPRUCE ST, DOWAGIAC, MI 49047-1236 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001221/907 |
|---|---|
| Date | Aug 8, 2022 |
| Book Page | 1221/907 |
| Name | NOTRE DAME FCU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49544 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS MI |
| Property Address | 203 SPRUCE ST, DOWAGIAC, MI 49047-1236 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 01145/0194 |
|---|---|
| Date | Sep 19, 2018 |
| Book Page | 1145/0194 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Aug 28, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | Mar 27, 2018 |
| Property Address | 203 SPRUCE ST, DOWAGIAC, MI 49047-1236 |
| Document Number | 01137/0769 |
| Book / Page | 1137 / 0769 |
| Map Reference | LB M PG351 |
| Instrument Date | Mar 21, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | HBI TITLE SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $399.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5555 CLEVELAND AVE, 5555, COLUMBUS, OH 43231-4048 |
| Name | Verified Name |
|---|---|
| Address | 126 FOREST ST, NILES, MI 49120-3316 |
| Document Number | 0001137771 |
|---|---|
| Date | Mar 27, 2018 |
| Instrument | 1137/771 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2048 |
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 | $95,600 (+9.01%) Land $95,600 | $191,200 (+9.01%) Land $191,200 | |
| 2025 | $3,614.00 (+76.38%) Homeowner's exemption | $87,700 (+24.75%) Land $87,700 | $175,400 (+24.75%) Land $175,400 |
| 2023 | $70,300 | $140,600 | |
| 2022 | $2,049.00 |
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.
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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