512 Spruce St, Dowagiac, MI 49047 Property Records

Cass County property record for 512 Spruce St, Dowagiac, MI 49047 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1 Baths
Year Built	Built 1910
Square Footage	1,632 sqft Building Perimeter
Lot Size	8,712 sqft (0.2 acres)
Occupancy	Owner Occupied
Last Sale	$77,500 (2012)
Tax Bill	$1,008.00 (2025)

Owner

Source: Cass County records · APN 14-160-200-896-00

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	512 SPRUCE ST, DOWAGIAC, MI 49047-1034
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 26, 2012 · Amount on Record
Deed Sale	Nov 26, 2012 · Amount on Record
Deed Book / Page	1050 / 2493
Record Refreshed	Sep 20, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MI
Property Address	512 SPRUCE ST, DOWAGIAC, MI 49047-1034
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1167/2539
Date	Feb 24, 2020
Book Page	1167/2539

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded

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		$71,700 (+9.3%)	$143,400 (+9.3%)
2025	$1,008.00 (-21.92%) Homeowner's exemption	$65,600 (+24.24%) Land $65,600	$131,200 (+24.24%) Land $131,200
2023		$52,800	$105,600
2022	$1,291.00

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

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.

Property Details

APN / Parcel Number

Primary APN	`14-160-200-896-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Baths
Building Area	1,632 sqft Building Perimeter
1st Floor	1,204 sqft 1st Floor
Basement Area	570 sqft Basement
Unfinished Basement	570 sqft Unfinished

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Lot Area	8,712 sqft (0.2 acres)
Garage Area	360 sqft Garage

Utilities and HVAC

Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	512 SPRUCE ST
City	DOWAGIAC
State	MI
Zip	49047-1034
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	. DW 2320 LOT 4 MARY E WHITNEYS ADD CITY OF DOWAGIAC.
Legal Subdivision	MARY E WHITNEYS ADD
Legal Lot Number	4
Jurisdiction	CASS MI
Minor Civil Division	DOWAGIAC
Census Blockgroup	2
Census Block	2060
Census Tract	1901