404 W Wayne St, Dowagiac, MI 49047 Property Records

Cass County property record for 404 W Wayne St, Dowagiac, MI 49047

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,250 sqft
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Jun 2020)
Tax Bill	$2,356 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-160-200-576-00`

Property Details

APN / Parcel Number

Primary APN	`14-160-200-576-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,250 sqft Building Perimeter
1st Floor Area	1,250 sqft
Basement Area	1,250 sqft
Unfinished Basement	1,250 sqft

Exterior

Lot Area	9,583 sqft (0.22 acres)
Garage Area	440 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	404 W WAYNE ST
City	DOWAGIAC
State	MI
Zip	49047-1175
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	. DW 1057 E MIDDLE 4 RDS OF LOTS 298, 299 & 300 EX N 3 RDS OF MIDDLE 4 RDS OF LOT 298. PATRICK HAMILTON'S 4TH ADD CITY OF
Legal Subdivision	PATRICK HAMILTONS FOURTH ADDITION
Legal Lot Number	298,300
Jurisdiction	CASS MI
Township / Civil Division	DOWAGIAC
Census Block Group	1
Census Block	1016
Census Tract	1901

Owner

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	Individual Name on Record
Mailing Address	404 W WAYNE ST, DOWAGIAC, MI 49047-1175
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2020 · Amount on Record
Deed Sale	Jun 24, 2020 · Amount on Record
Prior Sale	Aug 24, 2016 · Amount on Record
Deed Book / Page	1174 / 2389
Record Updated	Oct 29, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS MI
Recording Date	Jun 24, 2020
Property Address	404 W WAYNE ST, DOWAGIAC, MI 49047-1175
Document Number	01174/2389
Book / Page	1174 / 2389
Instrument Date	Jun 9, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$860.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4082 ANN CT, 4082, DORR, MI 49323-9374

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 W WAYNE ST, DOWAGIAC, MI 49047-1175

Mortgage

Document Number	0011742046
Date	Jun 24, 2020
Instrument	1174/2046

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Cass County
Municipality	Dowagiac City
Unified School District	Dowagiac Union Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$98,400 (+30.33%) Land $98,400	$196,800 (+30.33%) Land $196,800
2025	$2,356.00 (+13.11%) Homeowner's exemption	$75,500 (+24.59%) Land $75,500	$151,000 (+24.59%) Land $151,000
2023		$60,600	$121,200
2022	$2,083.00

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

Flood

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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