Cass County property record for 401 Spruce St, Dowagiac, MI 49047
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,008 sqft · built 1938 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,897 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-160-200-414-00 |
| Primary APN | 14-160-200-414-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,008 sqft Building Perimeter |
| 1st Floor Area | 1,071 sqft |
| Basement Area | 928 sqft |
| Unfinished Basement | 928 sqft |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Area | 380 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 401 SPRUCE ST |
|---|---|
| City | DOWAGIAC |
| State | MI |
| Zip | 49047-1054 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | . DW 911 LOT 150 EX 1 FT OFF S SIDE OF E 1/2 PATRICK HAMILTON'S 3RD ADD CITY OF DOWAGIAC. |
| Legal Subdivision | PATRICK HAMILTON 3RD ADD |
| Legal Lot Number | 150 |
| Jurisdiction | CASS MI |
| Township / Civil Division | DOWAGIAC |
| Census Block Group | 2 |
| Census Block | 2070 |
| Census Tract | 1901 |
401 Spruce St is owned and occupied by an individual.
Source: Cass County records, as of October 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 401 SPRUCE ST, DOWAGIAC, MI 49047-1054 |
| 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 |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS MI |
| Property Address | 401 SPRUCE ST, DOWAGIAC, MI 49047-1054 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2025 |
| Name | Verified Name |
|---|
| Document Number | 01266/2254 |
|---|---|
| Date | Oct 8, 2025 |
| Book Page | 1266/2254 |
| Name | 1ST SOURCE BANK |
|---|---|
| Type | Bank |
| Address | DOWAGIAC, MI 49047 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 204 Months |
| Due | Oct 15, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 401 Spruce St was $2,897 with a homeowner's exemption.
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 | $141,800 (+11.83%) Land $141,800 | $283,600 (+11.83%) Land $283,600 | |
| 2025 | $2,897.00 Homeowner's exemption | $126,800 Land $126,800 | $253,600 Land $253,600 |
| 2023 | $122,500 | $245,000 | |
| 2022 | $2,493.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 401 Spruce St in Zone X, an area of minimal flood risk.
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 |
| Nearby Flood Policies | 8 in force |
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 risk around 401 Spruce 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 425 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures