Cass County property record for 209 Spruce St, Dowagiac, MI 49047
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,513 sqft · built 1900 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,806 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-160-200-398-00 |
| Primary APN | 14-160-200-398-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,513 sqft Building Perimeter |
| 1st Floor Area | 1,513 sqft |
| Basement Area | 1,125 sqft |
| Unfinished Basement | 1,125 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Area | 308 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 209 SPRUCE ST |
|---|---|
| City | DOWAGIAC |
| State | MI |
| Zip | 49047-1236 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | . DW 897 E 3 RDS LOT 135 PATRICK HAMILTON'S 2ND ADD CITY OF DOWAGIAC. |
| Legal Subdivision | PATRICK HAMILTON 2ND ADD |
| Legal Lot Number | 135 |
| Jurisdiction | CASS MI |
| Township / Civil Division | DOWAGIAC |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 1901 |
209 Spruce St is owned and occupied by two individuals who acquired it in November 2004.
Source: Cass County records, as of October 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 209 SPRUCE ST, DOWAGIAC, MI 49047-1236 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Nov 9, 2004 |
| Transfer Doc | 0898000795 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 209 Spruce St was $1,806 with a homeowner's exemption.
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 | $80,000 (+8.7%) Land $80,000 | $160,000 (+8.7%) Land $160,000 | |
| 2025 | $1,806.00 Homeowner's exemption | $73,600 Land $73,600 | $147,200 Land $147,200 |
| 2023 | $59,000 | $118,000 | |
| 2022 | $1,534.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 209 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 risk around 209 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.
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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