Cass County property record for 403 Orchard St, Dowagiac, MI 49047
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,391 sqft · built 1920 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $230,000 (Nov 2025) |
| Tax Bill | $1,635 (2024) |
| Deeds & Mortgages | Nov 2025 Sale Oct 2018 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-160-200-460-00 |
| Primary APN | 14-160-200-460-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,391 sqft Building Perimeter |
| 1st Floor Area | 1,118 sqft |
| Basement Area | 1,118 sqft |
| Unfinished Basement | 1,118 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Area | 216 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 403 ORCHARD ST |
|---|---|
| City | DOWAGIAC |
| State | MI |
| Zip | 49047-1230 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | . DW 956 LOT 196, EX 1/2 ROD OFF N SIDE PATRICK HAMILTON'S 3RD ADD CITY OF DOWAGIAC. |
| Legal Subdivision | PATRICK HAMILTONS ADDITION |
| Legal Lot Number | 196 |
| Jurisdiction | CASS MI |
| Township / Civil Division | DOWAGIAC |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 1901 |
403 Orchard St is held in a trust since November 2025.
Source: Cass County records, as of October 1, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 725 LAKE ST, SAINT JOSEPH, MI 49085-1074 |
| Owner Type | Company |
| Vesting | Trust |
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 |
|---|---|
| Nov 12, 2025 | Warranty Deed, Transfer CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MI INC |
| Oct 19, 2018 | Warranty Deed, Transfer · FHA Mortgage HORIZON BANK |
| Mar 30, 2017 | Quit Claim Deed, Transfer MTC |
| Mar 30, 2017 | Warranty Deed, Transfer MTC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 12, 2025 · Amount on File |
| Deed Sale | Nov 12, 2025 · Amount on File |
| Prior Sale | Oct 19, 2018 · Amount on File |
| Deed Document Number | 2025226580 |
| Deed Book / Page | 1268 / 1311 |
| Prior Transfer Date | Mar 30, 2017 |
| Prior Transfer Doc | 1120/2102 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | Nov 12, 2025 |
| Property Address | 403 ORCHARD ST, DOWAGIAC, MI 49047-1230 |
| Document Number | 01268/1311 |
| Book / Page | 1268 / 1311 |
| Map Reference | PG 559 |
| Instrument Date | Nov 7, 2025 |
| Transaction Type | Transfer |
| Record Updated | Dec 3, 2025 |
| Title Company | CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MI INC |
| Amount | Amount on Record |
|---|---|
| Tax | $1,725.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 725 LAKE ST, SAINT JOSEPH, MI 49085-1074 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | Oct 19, 2018 |
| Property Address | 403 ORCHARD ST, DOWAGIAC, MI 49047-1230 |
| Document Number | 01146/1385 |
| Book / Page | 1146 / 1385 |
| Instrument Date | Oct 18, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,143.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 403 ORCHARD ST, DOWAGIAC, MI 49047-1230 |
| Document Number | 0011461388 |
|---|---|
| Date | Oct 19, 2018 |
| Instrument | 1146/1388 |
| Name | HORIZON BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | Mar 30, 2017 |
| Property Address | 403 ORCHARD ST, DOWAGIAC, MI 49047-1230 |
| Document Number | 1120/2102 |
| Book / Page | 1120 / 2102 |
| Instrument Date | Mar 30, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Title Company | MTC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2604 CAPITAL HEIGHTS, VICTORIA BC CANADA V8T 3M2, XX |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | Mar 30, 2017 |
| Property Address | 403 ORCHARD ST, DOWAGIAC, MI 49047-1230 |
| Document Number | 1120/2105 |
| Book / Page | 1120 / 2105 |
| Instrument Date | Mar 24, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Title Company | MTC |
| Amount | Amount on Record |
|---|---|
| Tax | $111.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 57528 WILBUR HILL RD, DOWAGIAC, MI 49047-9755 |
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 | $78,600 (+11.81%) Land $78,600 | $157,200 (+11.81%) Land $157,200 | |
| 2025 | Homeowner's exemption | $70,300 Land $70,300 | $140,600 Land $140,600 |
| 2024 | $1,635.00 | ||
| 2023 | $56,400 | $112,800 | |
| 2022 | $1,468.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 403 Orchard 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 403 Orchard 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 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 |
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