513 Spruce St, Dowagiac, MI 49047 Property Records

Cass County property record for 513 Spruce St, Dowagiac, MI 49047 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Lot Size	8,712 sqft (0.2 acres)
Occupancy	Owner Occupied
Tax Bill	$126.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`14-160-200-891-00`

Exterior

Lot Area	8,712 sqft (0.2 acres)

Location & Zoning

Street Address	513 SPRUCE ST
City	DOWAGIAC
State	MI
Zip	49047-1033
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	. DW 2315 LOT 6 WM. H. VROOMAN'S ADD CITY OF DOWAGIAC.
Legal Subdivision	WM H VROOMANS ADD
Legal Lot Number	6
Jurisdiction	CASS MI
Minor Civil Division	DOWAGIAC
Census Blockgroup	2
Census Block	2069
Census Tract	1901

Owner

Source: Cass County records · APN 14-160-200-891-00

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	515 SPRUCE ST, DOWAGIAC, MI 49047-1033
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

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MI
Property Address	513 SPRUCE ST, DOWAGIAC, MI 49047-1033
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1121/0195
Date	Apr 06, 2017
Book Page	1121/0195

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43229

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 24, 2047

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		$7,300 (+1.39%)	$14,600 (+1.39%)
2025	$126.00 (-21.74%) Homeowner's exemption	$7,200 (+18.03%) Land $7,200	$14,400 (+18.03%) Land $14,400
2023		$6,100	$12,200
2022	$161.00

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.