Cass County property record for 609 Main St, Dowagiac, MI 49047
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,588 sqft · built 1890 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $1,120 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Jul 2007 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-160-200-624-00 |
| Primary APN | 14-160-200-624-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,588 sqft Building Perimeter |
| 1st Floor Area | 808 sqft |
| Basement Area | 780 sqft |
| Unfinished Basement | 780 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Area | 360 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 609 MAIN ST |
|---|---|
| City | DOWAGIAC |
| State | MI |
| Zip | 49047-1627 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | . DW 1566 A W 3 RODS LOTS 6 & 9 B. MC CONNELL'S ADD CITY OF DOWAGIAC. |
| Legal Subdivision | B MC CONNELLS ADD |
| Legal Lot Number | 6,9 |
| Jurisdiction | CASS MI |
| Township / Civil Division | DOWAGIAC |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 2201 |
Source: Cass County records, as of October 20, 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 | 2 Company Names on Record |
|---|---|
| Mailing Address | 609 MAIN ST, DOWAGIAC, MI 49047-1627 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Aug 11, 2022 | Intrafamily Transfer, Transfer · Line of Credit HONOR CU |
| Jul 3, 2007 | Intrafamily Transfer, Transfer · ARM CHEMICAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 20, 2007 |
| Transfer Doc | 0961/1986 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | Aug 11, 2022 |
| Property Address | 609 MAIN ST, DOWAGIAC, MI 49047-1627 |
| Document Number | 01221/1557 |
| Book / Page | 1221 / 1557 |
| Map Reference | LB U PG 275 |
| Instrument Date | Aug 8, 2022 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0012202541 |
|---|---|
| Date | Aug 11, 2022 |
| Instrument | 1220-2541 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 12, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | Jul 3, 2007 |
| Property Address | 609 MAIN ST, DOWAGIAC, MI 49047-1627 |
| Document Number | 00961/1986 |
| Book / Page | 0961 / 1986 |
| Map Reference | LB U PG275 |
| Instrument Date | Jun 20, 2007 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 609 MAIN ST, DOWAGIAC, MI 49047-1627 |
| Name | Verified Name |
|---|---|
| Address | 609 MAIN ST, DOWAGIAC, MI 49047-1627 |
| Document Number | 0009611987 |
|---|---|
| Date | Jul 3, 2007 |
| Instrument | 0961/1987 |
| Name | CHEMICAL BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.9% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | Annually |
| Min Rate At Change | 3.9% |
| Max Rate At Change | 7.9% |
| Index | 1-Year T-Bill |
| Max Rate | 11.9% |
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 | $69,200 (+17.49%) Land $69,200 | $138,400 (+17.49%) Land $138,400 | |
| 2025 | $1,120.00 (+1.54%) Homeowner's exemption | $58,900 (+24.52%) Land $58,900 | $117,800 (+24.52%) Land $117,800 |
| 2024 | $1,103.00 (+11.41%) | ||
| 2023 | $47,300 | $94,600 | |
| 2022 | $990.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 5, 2007
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 265 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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