437 E Division St, Dowagiac, MI 49047 Property Records

Cass County property record for 437 E Division St, Dowagiac, MI 49047 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	1 Baths
Year Built	Built 1900
Square Footage	2,024 sqft Building Perimeter
Lot Size	17,860 sqft (0.41 acres)
Garage	696 sqft
Occupancy	Owner Occupied
Tax Bill	$1,027.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`14-160-300-817-00`

Interior

Bedrooms	4 Beds
Full Baths	1 Baths
Building Area	2,024 sqft Building Perimeter
1st Floor	1,784 sqft 1st Floor
Basement Area	1,784 sqft Basement
Unfinished Basement	1,784 sqft Unfinished

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	17,860 sqft (0.41 acres)
Garage Area	696 sqft Garage

Utilities and HVAC

Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	437 E DIVISION ST
City	DOWAGIAC
State	MI
Zip	49047-1458
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	. DW 2144 S 12 RDS OF E 4 1/2 RDS LOT 1. ALSO E 15.75 FT OF W 57.75 FT OF S 165 FT LOT 1 JOEL H SMITH'S ADD CITY OF DOWAGIAC.
Legal Subdivision	JOEL H SMITHS ADD
Legal Lot Number	1
Jurisdiction	CASS MI
Minor Civil Division	DOWAGIAC
Census Blockgroup	5
Census Block	5024
Census Tract	2000

Owner

Source: Cass County records · APN 14-160-300-817-00

Assessment roll updated August 28, 2025 · Last verified August 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 File
Mailing Address	437 E DIVISION ST, DOWAGIAC, MI 49047-1458
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Refreshed	Sep 20, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MI
Property Address	437 E DIVISION ST, DOWAGIAC, MI 49047-1458
Transaction Type	Mortgage
Record Updated	Jan 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 1133-0542
Date	Dec 21, 2017
Book Page	1133/0542
Instrument	1133-0542

Lender

Name	DOWAGIAC AREA FCU
Type	Credit Union
Address	DOWAGIAC, MI 49047

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Dec 28, 2032

Tax Assessment & Valuation

Source: Cass County records · Assessment roll updated August 28, 2025 · Last verified August 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$72,500 (+16.75%)	$145,000 (+16.75%)
2025	$1,027.00 (-21.84%) Homeowner's exemption	$62,100 (+27.25%) Land $62,100	$124,200 (+27.25%) Land $124,200
2023		$48,800	$97,600
2022	$1,314.00

Flood & Wildfire

437 E Division St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.

Flood

Source: FEMA National Flood Hazard Layer · Cass County (26027C), updated September 5, 2007

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach of burnable land

Values are read at the parcel center point; lenders make the official flood determination.