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403 McPhil Dr, Dowagiac, MI 49047 Property Records

Cass County property record for 403 McPhil Dr, Dowagiac, MI 49047

Property Summary

Property TypeSingle Family Home
Details2 ba · 2,560 sqft · built 1994
Lot Size0.46 acres (20,038 sqft)
OwnerTrust Name on File
Last Sale$310,000 (Jun 2024)
Tax Bill$5,610 (2025)
Deeds & MortgagesMar 2023 Sale
Oct 2020 Sale
+ 2 more
Flood ZoneZone X (minimal risk)
APN14-160-200-172-50

Property Details

APN / Parcel Number

Primary APN14-160-200-172-50

Interior

Full Baths2 Baths
Building Area2,560 sqft Building Perimeter
1st Floor Area2,560 sqft
Basement Area2,560 sqft
Unfinished Basement2,560 sqft

Exterior

Year BuiltBuilt 1994
Effective Year BuiltEffective 1994
Lot Area20,038 sqft (0.46 acres)
Garage Area576 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Street Address403 MCPHIL DR
CityDOWAGIAC
StateMI
Zip49047-1014
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description548-152 337C W 120 FT OF E 360 FT OF FOL; COM 10 RODS N OF NW COR LOT 22 M E WHITNEY ADD, TH E 7.80 CHS, TH N 2.5 CHS, TH W
Legal Lot Number22
JurisdictionCASS MI
Township / Civil DivisionDOWAGIAC
Census Block Group2
Census Block2054
Census Tract1901

Owner

403 McPhil Dr is owner-occupied and held in a trust since June 2024.

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

Owner of RecordTrust Name on File
Mailing Address403 MCPHIL DR, DOWAGIAC, MI 49047-1014
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

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

DateDocument
Mar 30, 2023Warranty Deed, Transfer
CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC
Oct 27, 2020Warranty Deed, Transfer
NATIONS TITLE AGENCY
Sep 17, 2018Warranty Deed, Transfer · ARM
WATERSTONE MORTGAGE CORP
Apr 18, 2017Warranty Deed, Transfer · FHA Mortgage
AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 11, 2024 · Amount on File
Deed SaleJun 11, 2024 · Amount on File
Prior SaleMar 30, 2023 · Amount on File
Deed Document Number2024212987
Deed Book / Page1246 / 2123
Record UpdatedOct 29, 2026

March 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCASS MI
Recording DateMar 30, 2023
Property Address403 MCPHIL DR, DOWAGIAC, MI 49047-1014
Document Number01230/1579
Book / Page1230 / 1579
Instrument DateMar 23, 2023
Transaction TypeTransfer
Record UpdatedMay 24, 2023
Title CompanyCHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

AmountAmount on Record
Tax$1,800.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address502 ANITA ST SPC 52, 52, CHULA VISTA, CA 91911-4720

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address403 MCPHIL DR, DOWAGIAC, MI 49047-1014

October 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCASS MI
Recording DateOct 27, 2020
Property Address403 MCPHIL DR, DOWAGIAC, MI 49047-1014
Document Number1183/1161
Book / Page1183 / 1161
Instrument DateOct 9, 2020
Transaction TypeTransfer
Record UpdatedAug 19, 2021
Title CompanyNATIONS TITLE AGENCY

Transaction

AmountAmount on Record
Tax$1,625.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3430 S KENT RD, 3430, PEARL CITY, IL 61062-9210

Transferred To (Grantee/Buyer)

NameVerified Name
Address9310 PIEDMONT ST, SPRING VALLEY, CA 91977-4930

September 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCASS MI
Recording DateSep 17, 2018
Property Address403 MCPHIL DR, DOWAGIAC, MI 49047-1014
Document Number01144/2352
Book / Page1144 / 2352
Instrument DateSep 13, 2018
Transaction TypeTransfer
Record UpdatedMay 3, 2022
Title CompanyMERIDIAN TITLE, MERIDIAN TITLE CORP

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,505.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address403 MCPHII DR, DOWAGIAC, MI 49047-1014

Mortgage

Document Number0011442355
DateSep 17, 2018
Instrument1144/2355
Lender
NameWATERSTONE MORTGAGE CORP
TypeLending Institution
Agreement
TypeARM
AmountAmount on Record
Term361 Months
DueOct 1, 2048
Interest
Rate TypeAdjustable Rate
Rate5.5%
Type Change DateOct 1, 2033
Change FrequencyAnnually
Min Rate At Change2.25%
Max Rate At Change10.5%
Index1-Year LIBOR
Max Rate10.5%

April 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCASS MI
Recording DateApr 18, 2017
Property Address403 MCPHIL DR, DOWAGIAC, MI 49047-1014
Document Number1121/2244
Book / Page1121 / 2244
Instrument DateApr 14, 2017
Transaction TypeTransfer
Record UpdatedAug 19, 2021
Title CompanyCASS COUNTY TITLE OFFICE INC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address29601 AMERIHOST DR # 5, 29601, DOWAGIAC, MI 49047-8320

Transferred To (Grantee/Buyer)

NameVerified Name
Address403 MCPHIL DR, DOWAGIAC, MI 49047-1014

Mortgage

Document Number11212246
DateApr 18, 2017
Instrument1121/2246
Lender
NameAMERIFIRST FINANCIAL CORP
TypeFunding / Finance Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueMay 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 403 McPhil Dr was $5,610 with a homeowner's exemption.

Source: Cass County assessment roll, as of October 1, 2026

Property Jurisdictions

TypeName
StateMichigan
CountyCass County
MunicipalityDowagiac City
Unified School DistrictDowagiac Union Schools (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$115,800 (-13.26%) Land $115,800$231,600 (-13.26%) Land $231,600
2025$5,610.00 Homeowner's exemption$133,500 Land $133,500$267,000 Land $267,000
2023$130,400$260,800
2022$4,467.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 403 McPhil Dr 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies8 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

Wildfire risk around 403 McPhil Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemDOWAGIAC
serves 6,350 people · EPA ID MI0001860
Water SourceGroundwater
Lead6 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 425 locations within half a mile, as of December 31, 2025

ProviderMax 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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