Cass County property record for 409 Orchard St, Dowagiac, MI 49047
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,552 sqft · built 1920 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,497 (2025) |
| Deeds & Mortgages | Jul 2019 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-160-200-457-00 |
| Primary APN | 14-160-200-457-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,552 sqft Building Perimeter |
| 1st Floor Area | 1,240 sqft |
| Basement Area | 800 sqft |
| Unfinished Basement | 800 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Area | 456 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 409 ORCHARD ST |
|---|---|
| City | DOWAGIAC |
| State | MI |
| Zip | 49047-1230 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | . DW 953 LOT 193 PATRICK HAMILTON'S 3RD ADD CITY OF DOWAGIAC. |
| Legal Subdivision | PATRICK HAMILTON 3RD ADD |
| Legal Lot Number | 193 |
| Jurisdiction | CASS MI |
| Township / Civil Division | DOWAGIAC |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 1901 |
409 Orchard St is owned and occupied by an individual.
Source: Cass County records, as of October 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 409 ORCHARD ST, DOWAGIAC, MI 49047-1230 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS MI |
| Property Address | 409 ORCHARD ST, DOWAGIAC, MI 49047-1230 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2019 |
| Name | Verified Name |
|---|
| Document Number | 1158/0051 |
|---|---|
| Date | Jul 25, 2019 |
| Book Page | 1158/0051 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Address | BERRIEN SPRINGS, MI 49103 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 19, 2029 |
The 2025 property tax bill for 409 Orchard St was $1,497 with a homeowner's exemption.
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 | $73,300 (+9.4%) Land $73,300 | $146,600 (+9.4%) Land $146,600 | |
| 2025 | $1,497.00 Homeowner's exemption | $67,000 Land $67,000 | $134,000 Land $134,000 |
| 2023 | $53,800 | $107,600 | |
| 2022 | $1,323.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 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 409 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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