415 Gray St, Dowagiac, MI 49047 Property Records

Cass County property record for 415 Gray St, Dowagiac, MI 49047

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,008 sqft · built 1978
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,085 (2025)
Deeds & Mortgages	Dec 2022 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-160-300-787-00`

Property Details

APN / Parcel Number

Primary APN	`14-160-300-787-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,008 sqft Building Perimeter
1st Floor Area	1,008 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Condo/Apartment
Lot Area	14,810 sqft (0.34 acres)
Garage Area	288 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	415 GRAY ST
City	DOWAGIAC
State	MI
Zip	49047-1526
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	. DW 2122-3 LOT 84 & 85 MESHEW'S FAIRGROUNDS ADD CITY OF DOWAGIAC
Legal Subdivision	MESHEW FAIRGROUNDS ADD
Legal Lot Number	84,85
Legal Unit	11
Jurisdiction	CASS MI
Township / Civil Division	DOWAGIAC
Census Block Group	5
Census Block	5023
Census Tract	2000

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	2 Individual Names on Record
Mailing Address	415 GRAY ST, DOWAGIAC, MI 49047-1526
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2025
Deed Sale	Feb 26, 2025
Prior Sale	Apr 29, 2005 · Amount on Record
Deed Document Number	2025219148
Deed Book / Page	1256 / 2192
Prior Transfer Date	Dec 13, 2024
Prior Transfer Doc	0000219148
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MI
Property Address	415 GRAY ST, DOWAGIAC, MI 49047-1526
Transaction Type	Mortgage
Record Updated	Jan 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 GRAY ST, DOWAGIAC, MI 49047-1526

Mortgage

Document Number	01227/1281
Date	Dec 27, 2022
Book Page	1227/1281

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2038

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		$50,000 (+14.16%) Land $50,000	$100,000 (+14.16%) Land $100,000
2025	$1,085.00 (+13.14%) Homeowner's exemption	$43,800 (+2%) Land $43,800	$87,600 (+2%) Land $87,600
2023		$36,500	$73,000
2022	$959.00

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 130 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
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20