Cass County property record for 308 Gray St, Dowagiac, MI 49047
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 640 sqft · built 1947 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $75,000 (Nov 2019) |
| Tax Bill | $939 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Jul 2020 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-160-300-773-00 |
| Primary APN | 14-160-300-773-00 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 640 sqft Building Perimeter |
| 1st Floor Area | 640 sqft |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Area | 370 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 308 GRAY ST |
|---|---|
| City | DOWAGIAC |
| State | MI |
| Zip | 49047-1525 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | . DW 2108 LOT 70 MESHEW'S FAIRGROUNDS ADD CITY OF DOWAGIAC. |
| Legal Subdivision | MESHEW FAIRGROUNDS ADD |
| Legal Lot Number | 70 |
| Jurisdiction | CASS MI |
| Township / Civil Division | DOWAGIAC |
| Census Block Group | 5 |
| Census Block | 5024 |
| Census Tract | 2000 |
308 Gray St is owned by a company that acquired it in March 2020 and is owner-occupied.
Source: Cass County records, as of October 1, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 308 GRAY ST, DOWAGIAC, MI 49047-1525 |
| 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.
| Date | Document |
|---|---|
| Sep 15, 2025 | Deed of Trust, Mortgage · Line of Credit HONOR CU |
| Jul 13, 2020 | Quit Claim Deed, Transfer Quitclaim |
| Feb 24, 2020 | Deed of Trust, Mortgage · Line of Credit HONOR CU |
| Nov 27, 2019 | Warranty Deed, Transfer MTC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 27, 2019 · Amount on File |
| Deed Sale | Nov 27, 2019 · Amount on File |
| Prior Sale | May 10, 2016 · Amount on File |
| Deed Book / Page | 1164 / 621 |
| Last Transfer Date | Mar 4, 2020 |
| Transfer Doc | 1175/2415 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS MI |
| Property Address | 308 GRAY ST, DOWAGIAC, MI 49047-1525 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2025 |
| Name | Verified Name |
|---|---|
| Address | 308 GRAY ST, DOWAGIAC, MI 49047-1525 |
| Document Number | 01265/1827 |
|---|---|
| Date | Sep 15, 2025 |
| Book Page | 1265/1827 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Address | BERRIEN SPRINGS, MI 49103 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 12, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | Jul 13, 2020 |
| Property Address | 308 GRAY ST, DOWAGIAC, MI 49047-1525 |
| Document Number | 1175/2415 |
| Book / Page | 1175 / 2415 |
| Map Reference | LB 1 PG 43 |
| Instrument Date | Mar 4, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 308 GRAY ST, 308, DOWAGIAC, MI 49047-1525 |
| Name | Verified Name |
|---|---|
| Address | 465 W TRILLIUM CIR, SAINT JOSEPH, MI 49085-8501 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS MI |
| Property Address | 308 GRAY ST, DOWAGIAC, MI 49047-1525 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2020 |
| Name | Verified Name |
|---|
| Document Number | 1168/0022 |
|---|---|
| Date | Feb 24, 2020 |
| Book Page | 1168/0022 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Address | BERRIEN SPRINGS, MI 49103 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Feb 12, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | Nov 27, 2019 |
| Property Address | 308 GRAY ST, DOWAGIAC, MI 49047-1525 |
| Document Number | 1164/0621 |
| Book / Page | 1164 / 0621 |
| Map Reference | LB 1 PG 43 |
| Instrument Date | Nov 19, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Title Company | MTC |
| Amount | Amount on Record |
|---|---|
| Tax | $645.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 310 E DEAN ST # DT, DT, SOUTH BEND, IN 46614-1812 |
The 2025 property tax bill for 308 Gray St was $939 with a homeowner's exemption, down 4.4% from the year before.
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 | $37,300 (+13.03%) Land $37,300 | $74,600 (+13.03%) Land $74,600 | |
| 2025 | $939.00 (-4.38%) Homeowner's exemption | $33,000 Land $33,000 | $66,000 Land $66,000 |
| 2024 | $982.00 | ||
| 2023 | $27,700 | $55,400 | |
| 2022 | $886.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 308 Gray 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 308 Gray 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 471 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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