32384 Center St, Dowagiac, MI 49047 Property Records

Cass County property record for 32384 Center St, Dowagiac, MI 49047

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,152 sqft · built 1973
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on File
Last Sale	$112,000 (Dec 2022)
Tax Bill	$3,128 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Aug 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`14-130-220-035-00`

Property Details

APN / Parcel Number

Primary APN	`14-130-220-035-00`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Building Area	1,152 sqft Building Perimeter
1st Floor Area	1,152 sqft
Basement Area	480 sqft
Unfinished Basement	480 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Lot Area	14,810 sqft (0.34 acres)
Garage Area	480 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	32384 CENTER ST
City	DOWAGIAC
State	MI
Zip	49047-8957
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	345274 1160-A-01 5S-16W LOTS 35, 36 & 37 BLK 5 WILDWOOD.
Legal Subdivision	WILDWOOD
Legal Block	5
Legal Lot Number	35,37
Jurisdiction	CASS MI
Township / Civil Division	SILVER CREEK
Census Block Group	1
Census Block	1013
Census Tract	1902

Owner

32384 Center St is owned and occupied by an individual who acquired it in December 2024.

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

Owner of Record	Individual Name on File
Mailing Address	32384 CENTER ST, DOWAGIAC, MI 49047-8957
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

Date	Document
Dec 19, 2022	Warranty Deed, Transfer · Conventional Mortgage OAK MORTGAGE LLC
Aug 1, 2017	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2022 · Amount on File
Deed Sale	Dec 19, 2022 · Amount on File
Prior Sale	Aug 1, 2017 · Amount on File
Deed Document Number	2022199327
Deed Book / Page	1227 / 797
Last Transfer Date	Dec 21, 2024
Transfer Doc	01254/2030
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS MI
Recording Date	Dec 19, 2022
Property Address	32384 CENTER ST, DOWAGIAC, MI 49047-8957
Document Number	001227/797
Book / Page	1227 / 797
Map Reference	LB 1 PG 149
Instrument Date	Dec 19, 2022
Transaction Type	Transfer
Record Updated	Jan 2, 2023
Title Company	OAK TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7166 W B AVE, KALAMAZOO, MI 49009-8828

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	32394 DIXON ST, DOWAGIAC, MI 49047-9218

Mortgage

Document Number	0012270801
Date	Dec 19, 2022
Instrument	1227-0801

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2033
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Index	Other
Max Rate	12.5%

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS MI
Recording Date	Aug 1, 2017
Property Address	32384 CENTER ST, DOWAGIAC, MI 49047-8957
Document Number	1126/1463
Book / Page	1126 / 1463
Map Reference	LB1 PG149
Instrument Date	Jul 27, 2017
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$679.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8253 N MERIDIAN RD, 8253, LAKE VILLAGE, IN 46349-9378

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 SINGAPORE CT, DOUGLAS, MI 49406-5204

Tax Assessment & Valuation

The 2025 property tax bill for 32384 Center St was $3,128 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		$153,700 (+20.45%) Land $153,700	$307,400 (+20.45%) Land $307,400
2025	$3,128.00 Homeowner's exemption	$127,600 Land $127,600	$255,200 Land $255,200
2023		$92,500	$185,000
2022	$2,334.00

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

Flood

FEMA maps place 32384 Center St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2015.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 32384 Center St is low, with less than 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 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

Nearby Properties on Center St

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