304 Main St, Dowagiac, MI 49047 Property Records

Cass County property record for 304 Main St, Dowagiac, MI 49047

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,623 sqft · built 1890
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on File
Last Sale	$115,000 (Jun 2021)
Tax Bill	$2,916 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-160-200-018-00`

Property Details

APN / Parcel Number

Primary APN	`14-160-200-018-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,623 sqft Building Perimeter
1st Floor Area	996 sqft
Basement Area	996 sqft
Unfinished Basement	996 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Lot Area	4,792 sqft (0.11 acres)
Garage Area	315 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	304 MAIN ST
City	DOWAGIAC
State	MI
Zip	49047-1788
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	. DW 36-7 COM AT SELY COR LOT 47, NELY ON SELY LINE 2 RDS, NWLY PARALLEL WITH SWLY LINE 49 1/2 FT, SWLY PARA- LLEL WITH MICH
Legal Subdivision	ORIGINAL CITY OF DOWAGIAC
Legal Lot Number	47,48
Jurisdiction	CASS MI
Township / Civil Division	DOWAGIAC
Census Block Group	1
Census Block	1003
Census Tract	2201

Owner

304 Main St is owned and occupied by two individuals who bought it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	304 MAIN ST, DOWAGIAC, MI 49047-1788
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	Jun 8, 2021 · Amount on File
Deed Sale	Jun 8, 2021 · Amount on File
Prior Sale	Sep 17, 2010 · Amount on File
Deed Book / Page	1197 / 1588
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS MI
Recording Date	Jun 8, 2021
Property Address	304 MAIN ST, DOWAGIAC, MI 49047-1788
Document Number	01197/1588
Book / Page	1197 / 1588
Instrument Date	May 17, 2021
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	$989.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	304 MAIN ST, 304, NILES, MI 49120

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 MAIN ST, DOWAGIAC, MI 49047-1788

Mortgage

Document Number	0011971591
Date	Jun 8, 2021
Instrument	1197/1591

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 304 Main St was $2,916 with a homeowner's exemption.

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		$94,700 (+9.48%) Land $94,700	$189,400 (+9.48%) Land $189,400
2025	$2,916.00 Homeowner's exemption	$86,500 Land $86,500	$173,000 Land $173,000
2023		$69,100	$138,200
2022	$2,577.00

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

Flood

FEMA maps place 304 Main 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 304 Main 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 273 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