Cass County property record for 324 Oak St, Dowagiac, MI 49047
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,068 sqft · built 1880 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $45,000 (Oct 2023) |
| Tax Bill | $3,041 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Oct 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-160-300-612-00 |
| Primary APN | 14-160-300-612-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,068 sqft Building Perimeter |
| 1st Floor Area | 810 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Area | 1,232 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 324 OAK ST |
|---|---|
| City | DOWAGIAC |
| State | MI |
| Zip | 49047-1339 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | . DW 1888 LOT 119 MCOMBER'S 3RD ADD CITY OF DOWAGIAC. |
| Legal Subdivision | MCOMBERS THIRD ADDITION |
| Legal Lot Number | 119 |
| Jurisdiction | CASS MI |
| Township / Civil Division | DOWAGIAC |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 2000 |
324 Oak St is owned by an individual who bought it in October 2023.
Source: Cass County records, as of October 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 553, WATERVLIET, MI 49098-0553 |
| 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.
| Date | Document |
|---|---|
| Dec 15, 2025 | Deed of Trust, Mortgage · Commercial Mortgage VELOCITY COMMERCIAL CAPITAL LLC |
| Oct 31, 2023 | Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 31, 2023 · Amount on File |
| Deed Sale | Oct 31, 2023 · Amount on File |
| Prior Sale | May 2, 2006 · Amount on File |
| Deed Document Number | 2023207366 |
| Deed Book / Page | 1238 / 2574 |
| Prior Transfer Date | May 5, 2007 |
| Prior Transfer Doc | 00959/0916 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS MI |
| Property Address | 324 OAK ST, DOWAGIAC, MI 49047-1339 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4475 E SHAWNEE RD, BERRIEN SPRINGS, MI 49103-9769 |
| Document Number | 001270/221 |
|---|---|
| Date | Dec 15, 2025 |
| Book Page | 1270/221 |
| Name | VELOCITY COMMERCIAL CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Adjustable | Adjustable Rate Rider |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | Oct 31, 2023 |
| Property Address | 324 OAK ST, DOWAGIAC, MI 49047-1339 |
| Document Number | 01238/2574 |
| Book / Page | 1238 / 2574 |
| Map Reference | LB W PG 330 |
| Instrument Date | Oct 20, 2023 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount on Record |
|---|---|
| Tax | $337.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4475 E SHAWNEE RD, BERRIEN SPRINGS, MI 49103-9769 |
The 2025 property tax bill for 324 Oak St was $3,041, up 5.7% 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 | $59,800 (+14.78%) Land $59,800 | $119,600 (+14.78%) Land $119,600 | |
| 2025 | $3,041.00 (+5.74%) Homeowner's exemption | $52,100 Land $52,100 | $104,200 Land $104,200 |
| 2024 | $2,876.00 | ||
| 2023 | $43,200 | $86,400 | |
| 2022 | $1,407.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 324 Oak 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 324 Oak 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 | Indirect within 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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