Cass County property record for 405 McPhil Dr, Dowagiac, MI 49047
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,581 sqft · built 1977 |
| Lot Size | 0.59 acres (25,700 sqft) |
| Owner | Individual Name on File |
| Last Sale | $168,000 (Sep 2020) |
| Tax Bill | $3,806 (2025) |
| Deeds & Mortgages | Sep 2020 Sale & Mortgage Oct 2018 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-160-200-170-05 |
| Primary APN | 14-160-200-170-05 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,581 sqft Building Perimeter |
| 1st Floor Area | 1,581 sqft |
| Basement Area | 1,581 sqft |
| Unfinished Basement | 1,581 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Lot Area | 25,700 sqft (0.59 acres) |
| Garage Area | 624 sqft |
| Heating System | Heat Pump |
|---|
| Street Address | 405 MCPHIL DR |
|---|---|
| City | DOWAGIAC |
| State | MI |
| Zip | 49047-1014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 337 COM 10 RODS N OF NW COR LOT 22 M.E WHITNEY ADD, TH E 7.80 CHS, TH N 2 1/2 CHS, TH W 7.80 CHS, TH S 2 1/2 CHS TO BEG. EX E |
| Legal Subdivision | UNPLATTED DOWAGIAC |
| Legal Lot Number | 22 |
| Jurisdiction | CASS MI |
| Township / Civil Division | DOWAGIAC |
| Census Block Group | 2 |
| Census Block | 2054 |
| Census Tract | 1901 |
405 McPhil Dr is owned and occupied by an individual who bought it in September 2020.
Source: Cass County records, as of October 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 405 MCPHIL DR, DOWAGIAC, MI 49047-1014 |
| 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.
| Date | Document |
|---|---|
| Sep 17, 2020 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Oct 29, 2018 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 17, 2020 · Amount on File |
| Deed Sale | Sep 17, 2020 · Amount on File |
| Prior Sale | Jun 17, 2010 · Amount on File |
| Deed Book / Page | 1180 / 1415 |
| Prior Transfer Date | Oct 25, 2018 |
| Prior Transfer Doc | 1146/2389 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | Sep 17, 2020 |
| Property Address | 405 MCPHIL DR, DOWAGIAC, MI 49047-1014 |
| Document Number | 01180/1415 |
| Book / Page | 1180 / 1415 |
| Instrument Date | Sep 10, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | MTC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,444.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 MCPHIL DR, DOWAGIAC, MI 49047-1014 |
| Document Number | 0011801593 |
|---|---|
| Date | Sep 17, 2020 |
| Instrument | 1180/1593 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | Oct 29, 2018 |
| Property Address | 405 MCPHIL DR, DOWAGIAC, MI 49047-1014 |
| Document Number | 1146/2389 |
| Book / Page | 1146 / 2389 |
| Instrument Date | Oct 25, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 405 MCPHIL DR, 405, DOWAGIAC, MI 49047-1014 |
| Name | Verified Name |
|---|---|
| Address | 405 MCPHIL DR, DOWAGIAC, MI 49047-1014 |
The 2025 property tax bill for 405 McPhil Dr was $3,806 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 | $129,900 (+11.31%) Land $129,900 | $259,800 (+11.31%) Land $259,800 | |
| 2025 | $3,806.00 (+1.55%) Homeowner's exemption | $116,700 Land $116,700 | $233,400 Land $233,400 |
| 2024 | $3,748.00 | ||
| 2023 | $97,700 | $195,400 | |
| 2022 | $3,364.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 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 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 405 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 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 |
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