713 Orchard St, Dowagiac, MI 49047 Property Records

Cass County property record for 713 Orchard St, Dowagiac, MI 49047

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,128 sqft · built 1920
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Tax Bill	$1,942 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-160-200-821-01`

Property Details

APN / Parcel Number

Primary APN	`14-160-200-821-01`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,128 sqft Building Perimeter
1st Floor Area	1,008 sqft
Basement Area	480 sqft
Unfinished Basement	480 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	9,583 sqft (0.22 acres)
Garage Area	1,076 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	713 ORCHARD ST
City	DOWAGIAC
State	MI
Zip	49047-1120
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DW 2026A 2027A, LOT 238 AND PART OF LOT 237, DANIEL M. MCOMBER'S ADDITION TO THE CITY OF DOWAGIAC, ALSO, THAT PART OF LOT 237
Legal Subdivision	DANIEL M MCOMBERS ADD
Legal Lot Number	238
Jurisdiction	CASS MI
Township / Civil Division	DOWAGIAC
Census Block Group	1
Census Block	1013
Census Tract	1901

Owner

713 Orchard St is owned and occupied by an individual.

Source: Cass County records, as of October 1, 2026

Owner of Record	Individual Name on File
Mailing Address	713 ORCHARD ST, DOWAGIAC, MI 49047-1120
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS MI
Recording Date	Sep 28, 2020
Property Address	713 ORCHARD ST, DOWAGIAC, MI 49047-1120
Document Number	01180/2506
Book / Page	1180 / 2506
Map Reference	LB 1 PG 18
Instrument Date	Sep 16, 2020
Transaction Type	Transfer
Record Updated	Mar 9, 2023
Title Company	MTC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$774.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	713 ORCHARD ST, DOWAGIAC, MI 49047-1120

Mortgage

Document Number	0011802509
Date	Sep 28, 2020
Instrument	1180/2509

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 713 Orchard St was $1,942 with a homeowner's exemption.

Source: Cass County assessment roll, as of October 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$65,400 (+7.57%) Land $65,400	$130,800 (+7.57%) Land $130,800
2025	$1,942.00 Homeowner's exemption	$60,800 Land $60,800	$121,600 Land $121,600
2023		$49,600	$99,200
2022	$1,717.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 713 Orchard St in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 713 Orchard 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	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 194 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