Cass County property record for 407 West St, Dowagiac, MI 49047
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,854 sqft · built 1880 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $180,000 (Jan 2024) |
| Tax Bill | $2,595 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Jan 2024 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-160-200-906-00 |
| Primary APN | 14-160-200-906-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,854 sqft Building Perimeter |
| 1st Floor Area | 1,454 sqft |
| Basement Area | 816 sqft |
| Unfinished Basement | 816 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Area | 216 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 407 WEST ST |
|---|---|
| City | DOWAGIAC |
| State | MI |
| Zip | 49047-1044 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | . DW 2329 LOT 13 MARY E. WHITNEY'S ADD CITY OF DOWAGIAC. |
| Legal Subdivision | MARY E WHITNEYS ADD |
| Legal Lot Number | 13 |
| Jurisdiction | CASS MI |
| Township / Civil Division | DOWAGIAC |
| Census Block Group | 2 |
| Census Block | 2060 |
| Census Tract | 1901 |
Source: Cass County records, as of August 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 407 WEST ST, DOWAGIAC, MI 49047-1044 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 1, 2025 | Deed of Trust, Mortgage · Line of Credit HONOR CU |
| Jan 22, 2024 | Warranty Deed, Transfer · Conventional Mortgage HONOR CU |
| Oct 26, 2023 | Quit Claim Deed, Transfer · VA Mortgage CIRCLE FCU |
| Mar 30, 2023 | Warranty Deed, Transfer · Conventional Mortgage CIRCLE FCU |
| Feb 17, 2021 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS LLC |
| Jun 15, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 22, 2024 · Amount on Record |
| Deed Sale | Jan 22, 2024 · Amount on Record |
| Prior Sale | Oct 26, 2023 |
| Deed Document Number | 2024209173 |
| Deed Book / Page | 1241 / 2091 |
| Prior Transfer Date | Oct 20, 2023 |
| Prior Transfer Doc | 01238/2251 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS MI |
| Property Address | 407 WEST ST, DOWAGIAC, MI 49047-1044 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 407 WEST ST, DOWAGIAC, MI 49047-1044 |
| Document Number | 001269/774 |
|---|---|
| Date | Dec 1, 2025 |
| Book Page | 1269/774 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Address | BERRIEN SPRINGS, MI 49103 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Nov 28, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | Jan 22, 2024 |
| Property Address | 407 WEST ST, DOWAGIAC, MI 49047-1044 |
| Document Number | 01241/2091 |
| Book / Page | 1241 / 2091 |
| Map Reference | LB 1 PG 11 |
| Instrument Date | Jan 16, 2024 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2024 |
| Title Company | CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,350.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 407 WEST ST, DOWAGIAC, MI 49047-1044 |
| Document Number | 0012412094 |
|---|---|
| Date | Jan 22, 2024 |
| Instrument | 1241-2094 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | Oct 26, 2023 |
| Property Address | 407 WEST ST, DOWAGIAC, MI 49047-1044 |
| Document Number | 01238/2251 |
| Book / Page | 1238 / 2251 |
| Map Reference | LB 1 PG 11 |
| Instrument Date | Oct 20, 2023 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 407 WEST ST, DOWAGIAC, MI 49047-1044 |
| Investor | Possibly a Property Investor |
| Document Number | 0012382254 |
|---|---|
| Date | Oct 26, 2023 |
| Instrument | 1238-2254 |
| Name | CIRCLE FCU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | Mar 30, 2023 |
| Property Address | 407 WEST ST, DOWAGIAC, MI 49047-1044 |
| Document Number | 01230/1529 |
| Book / Page | 1230 / 1529 |
| Instrument Date | Mar 24, 2023 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2023 |
| Title Company | VAN BUREN CNTY TITLE, VAN BUREN COUNTY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,275.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 407 WEST ST, DOWAGIAC, MI 49047-1044 |
| Investor | Possibly a Property Investor |
| Document Number | 0012301530 |
|---|---|
| Date | Mar 30, 2023 |
| Instrument | 1230-1530 |
| Name | CIRCLE FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | Feb 17, 2021 |
| Property Address | 407 WEST ST, DOWAGIAC, MI 49047-1044 |
| Document Number | 001190/563 |
| Book / Page | 1190 / 563 |
| Map Reference | LB 1 PG 20 |
| Instrument Date | Feb 5, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $989.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 407 WEST ST, 407, DOWAGIAC, MI 49047-1044 |
| Name | Verified Name |
|---|---|
| Address | 407 WEST ST, DOWAGIAC, MI 49047-1044 |
| Document Number | 0001190566 |
|---|---|
| Date | Feb 17, 2021 |
| Instrument | 1190/566 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | Jun 15, 2017 |
| Property Address | 407 WEST ST, DOWAGIAC, MI 49047-1044 |
| Document Number | 1124/1303 |
| Book / Page | 1124 / 1303 |
| Map Reference | LB1 PG20 |
| Instrument Date | May 23, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 407 WEST ST, DOWAGIAC, MI 49047-1044 |
| Document Number | 11241306 |
|---|---|
| Date | Jun 15, 2017 |
| Instrument | 1124/1306 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 1, 2037 |
Source: Cass County assessment roll, as of August 28, 2025
| 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 | $98,700 (+10.28%) | $197,400 (+10.28%) | |
| 2025 | $2,595.00 (-28.63%) Homeowner's exemption | $89,500 (+24.83%) Land $89,500 | $179,000 (+24.83%) Land $179,000 |
| 2024 | $3,636.00 (+35.72%) | ||
| 2023 | $71,700 | $143,400 | |
| 2022 | $2,679.00 |
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 · 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.
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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