28580 Elm St, Dowagiac, MI 49047 Property Records

Cass County property record for 28580 Elm St, Dowagiac, MI 49047

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,821 sqft · built 1970
Lot Size	0.94 acres (40,946 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Sep 2020)
Tax Bill	$2,431 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-130-012-020-00`

Property Details

APN / Parcel Number

Primary APN	`14-130-012-020-00`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,821 sqft Gross Area
1st Floor Area	1,200 sqft
Basement Area	625 sqft
Unfinished Basement	1,248 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	40,946 sqft (0.94 acres)
Garage Area	1,088 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	28580 ELM ST
City	DOWAGIAC
State	MI
Zip	49047-8745
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4290925 410-241 347-1075 191-B 5S-16W COM 331 FT W OF SE COR SW 1/4, TH N ALG W EDGE ALLEN CEM 16 RDS, W 10 RDS, S 16 RDS TO
Legal Range	16W
Legal Township	05S
Legal Section	12
Jurisdiction	CASS MI
Township / Civil Division	SILVER CREEK
Census Block Group	2
Census Block	2009
Census Tract	1902

Owner

28580 Elm St is owned and occupied by an individual who bought it in September 2020.

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

Owner of Record	Individual Name on File
Mailing Address	28580 ELM ST, DOWAGIAC, MI 49047-8745
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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	Name on Deed
Last Sale	Sep 4, 2020 · Amount on File
Deed Sale	Sep 4, 2020 · Amount on File
Deed Book / Page	1179 / 1630
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS MI
Recording Date	Sep 4, 2020
Property Address	28580 ELM ST, DOWAGIAC, MI 49047-8745
Document Number	01179/1630
Book / Page	1179 / 1630
Instrument Date	Aug 3, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	28580 ELM ST, VICKSBURG, MI 49097

Mortgage

Document Number	0011791631
Date	Sep 4, 2020
Instrument	1179/1631

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 28580 Elm St was $2,431 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	Silver Creek Township
Unified School District	Dowagiac Union Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$210,800 (+6.68%) Land $1,500 Building $209,300	$421,600 (+6.68%) Land $3,000 Building $418,600
2025	$2,431.00 Homeowner's exemption	$197,600 Land $1,400 Building $196,200	$395,200 Land $2,800 Building $392,400
2023		$88,000	$176,000
2022	$2,052.00

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

Flood

FEMA maps place 28580 Elm 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 28580 Elm 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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midwest Energy & Communications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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