32338 Hilltop Rd, Dowagiac, MI 49047 Property Records

Cass County property record for 32338 Hilltop Rd, Dowagiac, MI 49047

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,344 sqft · built 1996
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$157,000 (Mar 2018)
Tax Bill	$1,994 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-130-225-013-01`

Property Details

APN / Parcel Number

Primary APN	`14-130-225-013-01`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,344 sqft Building Perimeter
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft
Unfinished Basement	1,344 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	16,988 sqft (0.39 acres)
Garage Area	672 sqft

Location & Zoning

Street Address	32338 HILLTOP RD
City	DOWAGIAC
State	MI
Zip	49047-8996
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	338776 1164D-1 LOTS 13, 14, 15 & 16, BLK 10. EX N 8 FT LOT 16. WILDWOOD.
Legal Subdivision	WILDWOOD
Legal Block	10
Legal Lot Number	13,16
Jurisdiction	CASS MI
Township / Civil Division	SILVER CREEK
Census Block Group	1
Census Block	1016
Census Tract	1902

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	32338 HILLTOP RD, DOWAGIAC, MI 49047-8996
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2022	Deed of Trust, Mortgage · Line of Credit TEACHERS CU
May 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage TEACHERS CU
Feb 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED FCU
Mar 1, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2018 · Amount on Record
Deed Sale	Mar 1, 2018 · Amount on Record
Deed Book / Page	1136 / 424
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MI
Property Address	32338 HILLTOP RD, DOWAGIAC, MI 49047-8996
Transaction Type	Mortgage
Record Updated	Nov 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32338 HILLTOP RD, DOWAGIAC, MI 49047-8996

Mortgage

Document Number	01224/1332
Date	Oct 13, 2022
Book Page	1224/1332

Lender

Name	TEACHERS CU
Type	Credit Union
Address	SOUTH BEND, IN 46601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 13, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MI
Property Address	32338 HILLTOP RD, DOWAGIAC, MI 49047-8996
Transaction Type	Mortgage
Record Updated	Jun 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1196/1108
Date	May 20, 2021
Book Page	1196/1108

Lender

Name	TEACHERS CU
Type	Credit Union
Address	SOUTH BEND, IN 46601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MI
Property Address	32338 HILLTOP RD, DOWAGIAC, MI 49047-8996
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1136/0198
Date	Feb 27, 2018
Book Page	1136/0198

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2048

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS MI
Recording Date	Mar 1, 2018
Property Address	32338 HILLTOP RD, DOWAGIAC, MI 49047-8996
Document Number	1136/0424
Book / Page	1136 / 0424
Map Reference	LB1 PG149
Instrument Date	Dec 8, 2017
Transaction Type	Transfer
Record Updated	Aug 19, 2021

Transaction

Amount	Amount Recorded
Tax	$1,350.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	32338 HILLOP, DOWAGIAC, MI 49047-8996

Tax Assessment & Valuation

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		$94,200 (+3.4%) Land $94,200	$188,400 (+3.4%) Land $188,400
2025	$1,994.00 (+18.48%) Homeowner's exemption	$91,100 (+4.95%) Land $91,100	$182,200 (+4.95%) Land $182,200
2023		$86,800	$173,600
2022	$1,683.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 5, 2007 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	5 (2015–2024)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Jul 2024 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 85% of Michigan
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 145 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Sister Lakes Cable Fiber	2,048 / 1,024
Xfinity Cable	1,200 / 35
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Midwest Energy & Communications, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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