Cass County property record for 510 Spruce St, Dowagiac, MI 49047 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 7 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1948 |
| Square Footage | 1,944 sqft Building Perimeter |
| Lot Size | 8,712 sqft (0.2 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $199,000 (2026) |
| Tax Bill | $2,211.00 (2025) |
| Primary APN | 14-160-200-897-00 |
|---|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,944 sqft Building Perimeter |
| 1st Floor | 972 sqft 1st Floor |
| Basement Area | 972 sqft Basement |
| Unfinished Basement | 972 sqft Unfinished |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Area | 672 sqft Garage |
| Heating System | Forced Air with Air Conditioning Heating |
|---|
| Street Address | 510 SPRUCE ST |
|---|---|
| City | DOWAGIAC |
| State | MI |
| Zip | 49047-1034 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | . DW 2321 LOT 5 MARY E WHITNEYS ADD CITY OF DOWAGIAC. |
| Legal Subdivision | MARY E WHITNEYS ADD |
| Legal Lot Number | 5 |
| Jurisdiction | CASS MI |
| Minor Civil Division | DOWAGIAC |
| Census Blockgroup | 2 |
| Census Block | 2060 |
| Census Tract | 1901 |
Source: Cass County records · APN 14-160-200-897-00
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 | Individual Name on File |
|---|---|
| Mailing Address | 510 SPRUCE ST, DOWAGIAC, MI 49047-1034 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 05, 2018 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK WESTERN MICHIGAN |
| Jul 18, 2013 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD MORTGAGE MICHIGAN LLC |
| Dec 10, 2024 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage OUTAMATION INC |
| May 11, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNITED FEDERAL CREDIT UNION |
| Feb 24, 2021 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 11, 2026 · Amount on Record |
| Deed Sale | May 11, 2026 · Amount on Record |
| Prior Sale | Feb 24, 2021 · Amount on Record |
| Deed Doc Number | 202631619 |
| Deed Book / Page | 1276 / 468 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS MI |
| Property Address | 510 SPRUCE ST, DOWAGIAC, MI 49047-1034 |
| Transaction Type | Mortgage |
| Record Updated | Jun 05, 2026 |
| Name | Verified Name |
|---|
| Document Number | 01137/1772 |
|---|---|
| Date | Apr 05, 2018 |
| Book Page | 1137/1772 |
| Name | FIFTH THIRD BANK WESTERN MICHIGAN |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS MI |
| Property Address | 510 SPRUCE ST, DOWAGIAC, MI 49047-1034 |
| Transaction Type | Mortgage |
| Record Updated | Jun 05, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Name | Verified Name |
|---|
| Document Number | 01063/1460 |
|---|---|
| Date | Jul 18, 2013 |
| Book Page | 1063/1460 |
| Name | FIFTH THIRD MORTGAGE MICHIGAN LLC |
|---|---|
| Type | Mortgage Company |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Aug 01, 2023 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS MI |
| Property Address | 510 SPRUCE ST, DOWAGIAC, MI 49047-1034 |
| Transaction Type | Mortgage |
| Record Updated | Jun 05, 2026 |
| Name | Verified Name |
|---|---|
| Address | 510 SPRUCE ST, DOWAGIAC, MI 49047-1034 |
| Document Number | 001254/442 |
|---|---|
| Date | Dec 10, 2024 |
| Book Page | 1254/442 |
| Name | OUTAMATION INC |
|---|---|
| Type | Non-Lending Institution |
| Address | POMPANO BEACH, FL 33067 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | May 11, 2026 |
| Property Address | 510 SPRUCE ST, DOWAGIAC, MI 49047-1034 |
| Document Number | 001276/468 |
| Book / Page | 1276 / 468 |
| Instrument Date | Apr 27, 2026 |
| Instrument | 202631619 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 510 SPRUCE ST, DOWAGIAC, MI 49047-1034 |
| Document Number | 0000031620, |
|---|---|
| Date | May 11, 2026 |
| Book Page | 1276/469 |
| Instrument | 202631620 |
| Name | UNITED FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | Feb 24, 2021 |
| Property Address | 510 SPRUCE ST, DOWAGIAC, MI 49047-1034 |
| Document Number | 01190/1860 |
| Book / Page | 1190 / 1860 |
| Map Reference | LB 1 PG 11 |
| Instrument Date | Feb 12, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 03, 2022 |
| Title Company | CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN IN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,462.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 510 SPRUCE ST, DOWAGIAC, MI 49047-1034 |
| Document Number | 0011901863 |
|---|---|
| Date | Feb 24, 2021 |
| Instrument | 1190/1863 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
Source: Cass County records · Assessment roll updated August 28, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Cass County |
| Municipality | Dowagiac City |
| Unified School District | Dowagiac Union Schools (KG - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $104,600 (+10.57%) | $209,200 (+10.57%) | |
| 2025 | $2,211.00 (-29.88%) Homeowner's exemption | $94,600 (+24.8%) Land $94,600 | $189,200 (+24.8%) Land $189,200 |
| 2024 | $3,153.00 (+11.37%) | ||
| 2023 | $75,800 | $151,600 | |
| 2022 | $2,831.00 |
Source: FEMA National Flood Hazard Layer, Cass County (26027C), updated September 5, 2007 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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