Cass County property record for 406 McOmber St, Dowagiac, MI 49047
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,464 sqft · built 1940 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $95,000 (Mar 2020) |
| Tax Bill | $1,671 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Oct 2021 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-160-300-704-00 |
| Primary APN | 14-160-300-704-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,464 sqft Building Perimeter |
| 1st Floor Area | 1,016 sqft |
| Basement Area | 968 sqft |
| Unfinished Basement | 968 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Lot Area | 10,890 sqft (0.25 acres) |
| Heating System | Space Heater |
|---|
| Street Address | 406 MCOMBER ST |
|---|---|
| City | DOWAGIAC |
| State | MI |
| Zip | 49047-1330 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | . DW 1979 MLC211.27(2) $467 91-HUFFMAN W 2 RDS OF LOT 182 & LOT 187 MCOMBER'S 3RD ADD CITY OF DOWAGIAC. |
| Legal Subdivision | MCOMBERS THIRD ADDITION |
| Legal Lot Number | 182,187 |
| Jurisdiction | CASS MI |
| Township / Civil Division | DOWAGIAC |
| Census Block Group | 4 |
| Census Block | 4023 |
| Census Tract | 2000 |
Source: Cass County records, as of October 1, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 406 MCOMBER ST, DOWAGIAC, MI 49047-1330 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 26, 2026 | Deed of Trust, Mortgage · Conventional Mortgage HONOR CREDIT UNION |
| Oct 21, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage HONOR CU |
| Aug 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HONOR CU |
| Mar 30, 2020 | Warranty Deed, Transfer · Conventional Mortgage HONOR CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 30, 2020 · Amount on Record |
| Deed Sale | Mar 30, 2020 · Amount on Record |
| Prior Sale | Sep 17, 2012 · Amount on Record |
| Deed Book / Page | 1169 / 940 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | May 26, 2026 |
| Property Address | 406 MCOMBER ST, DOWAGIAC, MI 49047-1330 |
| Document Number | 01276/2390 |
| Book / Page | 1276 / 2390 |
| Instrument Date | May 11, 2026 |
| Instrument | 202632072 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 406 MCOMBER ST, DOWAGIAC, MI 49047-1330 |
| Document Number | 0000032072, |
|---|---|
| Date | May 26, 2026 |
| Book Page | 1276/2390 |
| Instrument | 202632072 |
| Name | HONOR CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.74% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS MI |
| Property Address | 406 MCOMBER ST, DOWAGIAC, MI 49047-1330 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 406 MCOMBER ST, DOWAGIAC, MI 49047-1330 |
| Document Number | 001206/185 |
|---|---|
| Date | Oct 21, 2021 |
| Book Page | 1206/185 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Address | BERRIEN SPRINGS, MI 49103 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 59 Months |
| Due | Sep 1, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS MI |
| Property Address | 406 MCOMBER ST, DOWAGIAC, MI 49047-1330 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 01201/2072 |
|---|---|
| Date | Aug 17, 2021 |
| Book Page | 1201/2072 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Address | BERRIEN SPRINGS, MI 49103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | Mar 30, 2020 |
| Property Address | 406 MCOMBER ST, DOWAGIAC, MI 49047-1330 |
| Document Number | 001169/940 |
| Book / Page | 1169 / 940 |
| Map Reference | LB W PG 330 |
| Instrument Date | Mar 13, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $817.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 406 MCOMBER ST, DOWAGIAC, MI 49047-1330 |
| Document Number | 0000116985 |
|---|---|
| Date | Mar 30, 2020 |
| Instrument | 1169/85 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 67 Months |
| Due | Oct 1, 2025 |
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 | $64,600 (+16.82%) Land $64,600 | $129,200 (+16.82%) Land $129,200 | |
| 2025 | $1,671.00 (+13.13%) Homeowner's exemption | $55,300 (+20.22%) Land $55,300 | $110,600 (+20.22%) Land $110,600 |
| 2023 | $46,000 | $92,000 | |
| 2022 | $1,477.00 |
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.
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.
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 471 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