Cass County property record for 438 E Division St, Dowagiac, MI 49047
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,152 sqft · built 1890 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,303 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-160-300-042-00 |
| Primary APN | 14-160-300-042-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,152 sqft Building Perimeter |
| 1st Floor Area | 768 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 768 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Area | 192 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 438 E DIVISION ST |
|---|---|
| City | DOWAGIAC |
| State | MI |
| Zip | 49047-1427 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 265 COM 2 RDS S & 2.4 RDS W OF N 1/4 POST, W 4 RDS, S 8 RDS, E 4 RDS, N 8 RDS TO PL OF BEG. UNPLATTED LAGRANGE SEC 6 CITY OF |
| Legal Lot Number | 62-63 |
| Jurisdiction | CASS MI |
| Township / Civil Division | DOWAGIAC |
| Census Block Group | 4 |
| Census Block | 4034 |
| Census Tract | 2100 |
438 E Division St, a single family home, is owned by two individuals.
Source: Cass County records, as of October 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 54370 PLEASANT VALLEY DR, OSCEOLA, IN 46561-9496 |
| 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 | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 438 E Division St was $1,303.
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 | $57,600 (+12.94%) Land $57,600 | $115,200 (+12.94%) Land $115,200 | |
| 2025 | $1,303.00 Homeowner's exemption | $51,000 Land $51,000 | $102,000 Land $102,000 |
| 2023 | $42,300 | $84,600 | |
| 2022 | $1,146.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 438 E Division St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 5, 2007
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 438 E Division St is low, with less than 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 94% of the US · lower than 87% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 28 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 |
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