207 Spruce St, Dowagiac, MI 49047 Property Records

Cass County property record for 207 Spruce St, Dowagiac, MI 49047

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,550 sqft · built 1900
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$159,000 (Oct 2023)
Tax Bill	$2,883 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-160-200-397-00`

Property Details

APN / Parcel Number

Primary APN	`14-160-200-397-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,550 sqft Building Perimeter
1st Floor Area	775 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	207 SPRUCE ST
City	DOWAGIAC
State	MI
Zip	49047-1236
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	. DW 896 LOT 134, EX E 6 INCHES. PATRICK HAMILTON'S 2ND ADD CITY OF DOWAGIAC.
Legal Subdivision	PATRICK HAMILTONS SECOND ADDITION
Legal Lot Number	134
Jurisdiction	CASS MI
Township / Civil Division	DOWAGIAC
Census Block Group	1
Census Block	1033
Census Tract	1901

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	207 SPRUCE ST, DOWAGIAC, MI 49047-1236
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2023 · Amount on Record
Deed Sale	Oct 13, 2023 · Amount on Record
Prior Sale	Nov 6, 2012 · Amount on Record
Deed Document Number	2023207000
Deed Book / Page	1238 / 1075
Prior Transfer Date	Jun 27, 2012
Prior Transfer Doc	01044/0579
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS MI
Recording Date	Oct 13, 2023
Property Address	207 SPRUCE ST, DOWAGIAC, MI 49047-1236
Document Number	01238/1075
Book / Page	1238 / 1075
Map Reference	LB M PG 351
Instrument Date	Sep 26, 2023
Transaction Type	Transfer
Record Updated	Oct 27, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NATIONAL TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,192.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	207 SPRUCE ST, DOWAGIAC, MI 49047-1236

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 SPRUCE ST, DOWAGIAC, MI 49047-1236

Mortgage

Document Number	0012381077
Date	Oct 13, 2023
Instrument	1238-1077

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

Tax Assessment & Valuation

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		$77,700 (+11.16%) Land $77,700	$155,400 (+11.16%) Land $155,400
2025	$2,883.00 (+1.55%) Homeowner's exemption	$69,900 (+24.6%) Land $69,900	$139,800 (+24.6%) Land $139,800
2024	$2,839.00 (+80.03%)
2023		$56,100	$112,200
2022	$1,577.00

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.

Flood

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

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