20381 Cara Ave, Cassopolis, MI 49031 Property Records

Cass County property record for 20381 Cara Ave, Cassopolis, MI 49031

Property Summary

Property Type	Single Family Home
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,540 (2025)
Deeds & Mortgages	Dec 2007 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-100-032-022-00`

Property Details

APN / Parcel Number

Primary APN	`14-100-032-022-00`

Exterior

Lot Area	5,227 sqft (0.12 acres)

Location & Zoning

Street Address	20381 CARA AVE
City	CASSOPOLIS
State	MI
Zip	49031-9306
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3141076 444 6S-14W COM NE COR LOT 42, REVISED PLAT SANDY BEACH, TH E ALG S LINE CARA AVE 22 FT, S PARA E LINE SD PLAT TO
Legal Range	14W
Legal Township	06S
Legal Section	32
Legal Subdivision	REVISED PLAT OF SANDY BEACH
Legal Lot Number	42
Jurisdiction	CASS MI
Township / Civil Division	PENN
Census Block Group	2
Census Block	2033
Census Tract	1600

Owner

20381 Cara Ave is owned and occupied by two individuals who acquired it in December 2007.

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

Owner of Record	2 Individual Names on File
Mailing Address	20381 CARA AVE, CASSOPOLIS, MI 49031-9306
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	2 Names on Deed
Last Sale	Dec 18, 2007
Deed Sale	Dec 18, 2007
Deed Book / Page	970 / 592
Record Updated	Oct 29, 2026

December 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS MI
Recording Date	Dec 18, 2007
Property Address	20381 CARA AVE, CASSOPOLIS, MI 49031-9306
Document Number	00970/0592
Book / Page	0970 / 0592
Instrument Date	Dec 14, 2007
Transaction Type	Transfer
Record Updated	Jun 8, 2026
Title Company	MERIDIAN TITLE, MERIDIAN TITLE CORP

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	811 SHIP ST STE 202, 202, SAINT JOSEPH, MI 49085-1171

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	411 W JEFFERSON AVE, NAPERVILLE, IL 60540-5216

Mortgage

Document Number	0009700594
Date	Dec 18, 2007
Instrument	0970/0594

Lender

Name	ING BANK FSB
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2038

Interest

Rate Type	Adjustable Rate
Rate	6.7%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	4.7%
Max Rate At Change	8.7%
Index	1-Year LIBOR
Max Rate	12.7%

Tax Assessment & Valuation

The 2025 property tax bill for 20381 Cara Ave was $2,540 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Cass County
County Subdivision	Penn Township
Unified School District	Cassopolis Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$189,200 (+2.99%) Land $189,200	$378,400 (+2.99%) Land $378,400
2025	$2,540.00 Homeowner's exemption	$183,700 Land $183,700	$367,400 Land $367,400
2023		$128,900	$257,800
2022	$2,245.00

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

Flood

FEMA maps place 20381 Cara Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 5, 2007 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2009)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2009 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 20381 Cara Ave is low, with less than 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 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 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	COLONY BAY CONDOMINIUMS private · serves 75 people · EPA ID MI0001552
Water Source	Purchased groundwater from CASS COUNTY WATER SYSTEM
Last State Inspection	May 2021
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20