Cass County property record for 502 Spruce St, Dowagiac, MI 49047
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,585 sqft · built 1920 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Last Sale | $148,700 (Jun 2022) |
| Tax Bill | $3,650 (2025) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-160-200-901-00 |
| Primary APN | 14-160-200-901-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,585 sqft Building Perimeter |
| 1st Floor Area | 1,000 sqft |
| Basement Area | 780 sqft |
| Unfinished Basement | 780 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Area | 242 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 502 SPRUCE ST |
|---|---|
| City | DOWAGIAC |
| State | MI |
| Zip | 49047-1034 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | . DW# 2325 LOT 9 EX N 33 FT MARY E. WHITNEYZS ADD CITY OF DOWAGIAC |
| Legal Subdivision | MARY E WHITNEYS ADD |
| Legal Lot Number | 9 |
| Jurisdiction | CASS MI |
| Township / Civil Division | DOWAGIAC |
| Census Block Group | 2 |
| Census Block | 2060 |
| Census Tract | 1901 |
502 Spruce St is owned and occupied by an individual who bought it in June 2022.
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 | Individual Name on File |
|---|---|
| Mailing Address | 502 SPRUCE ST, DOWAGIAC, MI 49047-1034 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 6, 2022 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jul 25, 2019 | Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 6, 2022 · Amount on File |
| Deed Sale | Jun 6, 2022 · Amount on File |
| Prior Sale | Jul 25, 2019 · Amount on File |
| Prior Transfer Date | May 17, 2007 |
| Prior Transfer Doc | 0959/0793 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | Jun 6, 2022 |
| Property Address | 502 SPRUCE ST, DOWAGIAC, MI 49047-1034 |
| Document Number | 001218/241 |
| Book / Page | 1218 / 241 |
| Map Reference | LB 1 PG 11 |
| Instrument Date | May 25, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jun 24, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,117.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 502 SPRUCE ST, 502, DOWAGIAC, MI 49047-1034 |
| Name | Verified Name |
|---|---|
| Address | 502 SPRUCE ST, DOWAGIAC, MI 49047-1034 |
| Document Number | 0012180243 |
|---|---|
| Date | Jun 6, 2022 |
| Instrument | 1218-0243 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | Jul 25, 2019 |
| Property Address | 502 SPRUCE ST, DOWAGIAC, MI 49047-1034 |
| Document Number | 01158/0171 |
| Book / Page | 1158 / 0171 |
| Map Reference | LB 1 PG 11 |
| Instrument Date | Jul 25, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | MTC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,019.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 502 SPRUCE ST, DOWAGIAC, MI 49047-1034 |
| Document Number | 0001158174 |
|---|---|
| Date | Jul 25, 2019 |
| Instrument | 1158/174 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2049 |
The 2025 property tax bill for 502 Spruce St was $3,650 with a homeowner's exemption, up 1.6% from the year before.
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 | $110,700 (+10.37%) Land $110,700 | $221,400 (+10.37%) Land $221,400 | |
| 2025 | $3,650.00 (+1.56%) Homeowner's exemption | $100,300 Land $100,300 | $200,600 Land $200,600 |
| 2024 | $3,594.00 | ||
| 2023 | $80,300 | $160,600 | |
| 2022 | $2,395.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 502 Spruce St in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 502 Spruce 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 | 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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