305 W Wayne St, Dowagiac, MI 49047 Property Records

Cass County property record for 305 W Wayne St, Dowagiac, MI 49047

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,309 sqft · built 1900
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$74,900 (Feb 2014)
Tax Bill	$1,583 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`14-160-200-548-00`

Property Details

APN / Parcel Number

Primary APN	`14-160-200-548-00`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Building Area	1,309 sqft Building Perimeter
1st Floor Area	822 sqft
Basement Area	766 sqft
Unfinished Basement	766 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	8,712 sqft (0.2 acres)
Garage Area	120 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	305 W WAYNE ST
City	DOWAGIAC
State	MI
Zip	49047-1133
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	. DW 1040 N 2/3 LOT 272 PATRICK HAMILTON'S 4TH ADD CITY OF DOWAGIAC.
Legal Subdivision	PATRICK HAMILTONS ADDITION
Legal Lot Number	272
Jurisdiction	CASS MI
Township / Civil Division	DOWAGIAC
Census Block Group	1
Census Block	1023
Census Tract	1901

Owner

305 W Wayne St is owned and occupied by an individual who bought it in February 2014.

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

Owner of Record	Individual Name on File
Mailing Address	305 W WAYNE ST, DOWAGIAC, MI 49047-1133
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	Name on Deed
Last Sale	Feb 14, 2014 · Amount on File
Deed Sale	Feb 14, 2014 · Amount on File
Deed Book / Page	1072 / 1119
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MI
Property Address	305 W WAYNE ST, DOWAGIAC, MI 49047-1133
Transaction Type	Mortgage
Record Updated	Apr 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 W WAYNE ST, DOWAGIAC, MI 49047-1133

Mortgage

Document Number	01213/1038
Date	Mar 9, 2022
Book Page	1213/1038

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Feb 28, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 305 W Wayne St was $1,583.

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		$50,500 (+7.68%) Land $50,500	$101,000 (+7.68%) Land $101,000
2025	$1,583.00 Homeowner's exemption	$46,900 Land $46,900	$93,800 Land $93,800
2023		$37,700	$75,400
2022	$1,393.00

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

Flood

FEMA maps place 305 W Wayne 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 305 W Wayne 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