32686 Haley Rd, Dowagiac, MI 49047 Property Records

Cass County property record for 32686 Haley Rd, Dowagiac, MI 49047

Property Summary

Property Type	Residential Vacant Land
Details	3 bd · 2.5 ba · 1,575 sqft · built 2021
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (Oct 2020)
Tax Bill	$12,483 (2025)
Deeds & Mortgages	Mar 2021 Construction Loan Oct 2020 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`14-130-353-085-00`

Property Details

APN / Parcel Number

Primary APN	`14-130-353-085-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,575 sqft Building Perimeter
1st Floor Area	1,575 sqft
Basement Area	1,575 sqft
Unfinished Basement	1,575 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Lot Area	18,295 sqft (0.42 acres)
Garage Area	528 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	32686 HALEY RD
City	DOWAGIAC
State	MI
Zip	49047-8515
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	323852 1736 5S-16W LOT 85 SISTER-CABLE LAKE SHORES NO 3.
Legal Subdivision	SISTER-CABLE LAKE SHORES
Legal Lot Number	85
Legal Unit	7
Jurisdiction	CASS MI
Township / Civil Division	SILVER CREEK
Census Block Group	1
Census Block	1013
Census Tract	1902

Owner

32686 Haley Rd, residential vacant land, is owned by two individuals who bought it in October 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	8214 S KOMENSKY AVE, CHICAGO, IL 60652-2904
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2021	Deed of Trust, Mortgage · Construction Mortgage LAKE MICHIGAN CU
Oct 1, 2020	Trustee's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2020 · Amount on File
Deed Sale	Oct 1, 2020 · Amount on File
Deed Book / Page	1181 / 1168
Prior Transfer Date	Sep 15, 2020
Prior Transfer Doc	1181/1168
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MI
Property Address	32686 HALEY RD, DOWAGIAC, MI 49047-8515
Transaction Type	Mortgage
Record Updated	Dec 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01191/1393
Date	Mar 8, 2021
Book Page	1191/1393

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	192 Months
Due	Mar 1, 2037

October 2020: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CASS MI
Recording Date	Oct 1, 2020
Property Address	32686 HALEY RD, DOWAGIAC, MI 49047-8515
Document Number	1181/1168
Book / Page	1181 / 1168
Instrument Date	Sep 15, 2020
Transaction Type	Foreclosure
Record Updated	Aug 19, 2021

Transaction

Amount	Amount on Record
Tax	$1,892.00
Amount Accuracy	Full Amount Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5561 BARTON LN, 5561, HINSDALE, IL 60521-5046

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	8214 S KOMENSKY AVE, CHICAGO, IL 60652-2904

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		$409,500 (+13.31%) Land $409,500	$819,000 (+13.31%) Land $819,000
2025	$12,483.00 (+16.06%)	$361,400 (+25.01%) Land $361,400	$722,800 (+25.01%) Land $722,800
2023		$289,100	$578,200
2022	$10,756.00

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

Flood

FEMA maps place 32686 Haley Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 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 32686 Haley Rd 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	Direct burnable vegetation

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 95 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
Midwest Energy & Communications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Haley Rd

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