Cass County property record for 401 Main St, Dowagiac, MI 49047
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,159 sqft · built 1890 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on File |
| Last Sale | $143,000 (Dec 2016) |
| Tax Bill | $2,569 (2025) |
| Deeds & Mortgages | Sep 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-160-100-021-00 |
| Primary APN | 14-160-100-021-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 2,159 sqft Building Perimeter |
| 1st Floor Area | 1,160 sqft |
| Basement Area | 999 sqft |
| Unfinished Basement | 999 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Lot Area | 13,068 sqft (0.3 acres) |
| Garage Area | 528 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 401 MAIN ST |
|---|---|
| City | DOWAGIAC |
| State | MI |
| Zip | 49047-1758 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | . DW 23 LOTS 35 & 36 ORIGINAL PLAT CITY OF DOWAGIAC. |
| Legal Subdivision | ORIGINAL PLAT OF THE CITY OF DOWAGIAC |
| Legal Lot Number | 35,36 |
| Jurisdiction | CASS MI |
| Township / Civil Division | DOWAGIAC |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 2201 |
401 Main St is owned and occupied by an individual who bought it in December 2016.
Source: Cass County records, as of October 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 146 SOUTH ST, DOWAGIAC, MI 49047 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 14, 2016 · Amount on File |
| Deed Sale | Dec 14, 2016 · Amount on File |
| Deed Book / Page | 1116 / 568 |
| Prior Transfer Date | Sep 21, 2016 |
| Prior Transfer Doc | 1113/1276 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS MI |
| Property Address | 401 MAIN ST, DOWAGIAC, MI 49047-1758 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2019 |
| Name | Verified Name |
|---|
| Document Number | 1160/1035 |
|---|---|
| Date | Sep 12, 2019 |
| Book Page | 1160/1035 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT JOSEPH, MI 49085 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 25, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 401 Main St was $2,569 with a homeowner's exemption, up 1.5% 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 | $106,000 (+11.46%) Land $106,000 | $212,000 (+11.46%) Land $212,000 | |
| 2025 | $2,569.00 (+1.54%) Homeowner's exemption | $95,100 Land $95,100 | $190,200 Land $190,200 |
| 2024 | $2,530.00 | ||
| 2023 | $76,400 | $152,800 | |
| 2022 | $2,271.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 401 Main 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 401 Main 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 265 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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