204 Spruce St, Dowagiac, MI 49047 Property Records

Cass County property record for 204 Spruce St, Dowagiac, MI 49047

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 1,984 sqft · built 1900
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$38,000 (Sep 2018)
Tax Bill	$1,945 (2025)
Deeds & Mortgages	Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-160-200-394-00`

Property Details

APN / Parcel Number

Primary APN	`14-160-200-394-00`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,984 sqft Building Perimeter
1st Floor Area	1,072 sqft
Basement Area	912 sqft
Unfinished Basement	912 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	8,712 sqft (0.2 acres)
Garage Area	240 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	204 SPRUCE ST
City	DOWAGIAC
State	MI
Zip	49047-1237
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	. DW 892 LOT 131 PATRICK HAMILTON'S 2ND ADD CITY OF DOWAGIAC.
Legal Subdivision	PATRICK HAMILTONS SECOND ADDITION
Legal Lot Number	131
Jurisdiction	CASS MI
Township / Civil Division	DOWAGIAC
Census Block Group	1
Census Block	1032
Census Tract	1901

Owner

204 Spruce St is owned and occupied by two individuals who bought it in September 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	204 SPRUCE ST, DOWAGIAC, MI 49047-1237
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	Sep 26, 2018 · Amount on File
Deed Sale	Sep 26, 2018 · Amount on File
Deed Book / Page	1145 / 1002
Record Updated	Oct 29, 2026

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS MI
Recording Date	Sep 26, 2018
Property Address	204 SPRUCE ST, DOWAGIAC, MI 49047-1237
Document Number	01145/1002
Book / Page	1145 / 1002
Map Reference	LB5 PG351
Instrument Date	Sep 13, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN IN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$41.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	30402 M 62 W, 30402, DOWAGIAC, MI 49047-9348

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	204 SPRUCE ST, DOWAGIAC, MI 49047-1237

Mortgage

Document Number	0011451004
Date	Sep 26, 2018
Instrument	1145/1004

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 204 Spruce St was $1,945.

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		$55,800 (+8.56%) Land $55,800	$111,600 (+8.56%) Land $111,600
2025	$1,945.00 Homeowner's exemption	$51,400 Land $51,400	$102,800 Land $102,800
2023		$41,400	$82,800
2022	$1,711.00

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

Flood

FEMA maps place 204 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 204 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