208 Spruce St, Dowagiac, MI 49047 Property Records

Cass County property record for 208 Spruce St, Dowagiac, MI 49047

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,033 sqft · built 1900
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Company Names on File
Tax Bill	$1,576 (2025)
Deeds & Mortgages	Jan 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`14-160-200-392-00`

Property Details

APN / Parcel Number

Primary APN	`14-160-200-392-00`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	2,033 sqft Building Perimeter
1st Floor Area	1,200 sqft
Basement Area	578 sqft
Unfinished Basement	578 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	208 SPRUCE ST
City	DOWAGIAC
State	MI
Zip	49047-1237
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	. DW 890 LOT 129 PATRICK HAMILTON'S 2ND ADD CITY OF DOWAGIAC.
Legal Subdivision	PATRICK HAMILTON 2ND ADD
Legal Lot Number	129
Jurisdiction	CASS MI
Township / Civil Division	DOWAGIAC
Census Block Group	1
Census Block	1032
Census Tract	1901

Owner

208 Spruce St is owned by a company that acquired it in January 2023 and is owner-occupied.

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

Owner of Record	2 Company Names on File
Mailing Address	208 SPRUCE ST, DOWAGIAC, MI 49047-1237
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Estate

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 Transfer Date	Jan 11, 2023
Transfer Doc	001228/749
Record Updated	Oct 29, 2026

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CASS MI
Recording Date	Jan 25, 2023
Property Address	208 SPRUCE ST, DOWAGIAC, MI 49047-1237
Document Number	001228/749
Book / Page	1228 / 749
Instrument Date	Jan 11, 2023
Transaction Type	Transfer
Record Updated	Feb 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	69420 MADISON AVE W, BENTON HARBOR, MI 49022-9314

Tax Assessment & Valuation

The 2025 property tax bill for 208 Spruce St was $1,576 with a homeowner's exemption, up 1.5% from the year before.

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		$79,600 (+9.49%) Land $79,600	$159,200 (+9.49%) Land $159,200
2025	$1,576.00 (+1.55%) Homeowner's exemption	$72,700 Land $72,700	$145,400 Land $145,400
2024	$1,552.00
2023		$58,300	$116,600
2022	$1,394.00

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

Flood

FEMA maps place 208 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 208 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