Sold
26640 Dutch Settlement Street, Dowagiac, MI 49047
Sold on 04/17/2026 for$399,000
MLS # 25057359 (Michigan Regional Information Center (MichRIC))
4 beds3 baths2,560 sqftBuilt 19831.02 acres
1 / 47
Listing Description
Timeless brick ranch with Mill Pond access. This well-maintained 4-bed, 3-bath home offers comfortable year-round living with multiple heating options (incl fireplace & wood stove), granite countertops, a flex room for an office,toy room or storage, and a walkout basement great for entertaining. Outside, enjoy a 1-acre setting with an inground pool, pool house shed, storage building, new roof (2024), firepit, and scenic views of Spruce Ridge Golf Course across the street. Mill Pond access provides opportunities for fishing, kayaking, relaxing at the water's edge, and opportunity to install a dock. Spend sunny days by the pool, evenings around the firepit or fireplace, and weekends taking in golf-course views—all from a property that blends space, charm, and recreation in one exceptional setting. CENTRAL AIR CONDITIONING NEW JAN 2026.
Source: SparkMLS
About this home
4-bedroom, 3-bath, 2,560 sq ft home in Dowagiac built in 1983.
Final sale price: $399,000 (about $156/sq ft).
Estimated annual property tax: $2,211, or about $184 monthly. Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Fiber internet is available at this address with download speeds up to 7,000 Mbps across 6 providers. Electric service is provided by Indiana Michigan Power Company; natural gas by SEMCO Energy Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms3
Living Area2,560 sqft
Lot Size1.02 acres
Year Built1983
Stories1
Location
CityDowagiac
MunicipalityWayne Twp
Zip Code49047
CountyCass
School DistrictDowagiac
Construction & Systems
StyleRanch
ConstructionBrick
BasementFull, Walk-Out Access
Garage2 spaces
HeatingHot Water, Wood
WaterWell
SewerSeptic Tank
InteriorGarage Door Opener
Sale & Financing
Listed11/6/2025
Sold Date4/16/2026
Original Price$449,900
Terms AcceptedCash, FHA, Conventional
Concessions$2,720
Source: SparkMLS
Tax Information
Annual Tax$2,211
Tax Year2024
Assessed Value$86,396
Parcel #14-150-032-023-01
Source: SparkMLS
Legal Description
505 COM 2036.1 FT E OF SW COR SEC, TH W 161.22 FT, N 287 FT, E 148.87 FT, S 2 DEG 27'45''E 287.26 FT TO BEG. SEC 32 1.02 A.
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Amy Rose
Gale Realty, LLC
Frequently Asked Questions about 26640 Dutch Settlement Street, Dowagiac, MI 49047
What school district is 26640 Dutch Settlement Street, Dowagiac, MI 49047 in?
Per MLS# 25057359, this property is served by Dowagiac. In Michigan, school district boundaries are set by the state and do not always follow city limits.
Can I use FHA or VA financing for this property?
Per MLS# 25057359, the seller has indicated this property accepts the following financing types: Cash, FHA, Conventional. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 25057359, the most recent reported annual property tax for 26640 Dutch Settlement Street, Dowagiac, MI 49047 is $2,211 (2024). Michigan property taxes are based on a property's taxable value multiplied by the local millage rate. Primary residences qualify for a homestead exemption that lowers the rate.
Is 26640 Dutch Settlement Street, Dowagiac, MI 49047 eligible for USDA financing?
Per USDA boundary maps, this property is located in a USDA-eligible area, which means qualified buyers may be able to finance with 0% down through the USDA Rural Development program. Confirm current eligibility directly with USDA.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 26640 Dutch Settlement Street, Dowagiac, MI 49047 is in flood zone X (minimal risk). Flood insurance is not typically required in this zone but may still be advisable. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
Is fiber internet available at 26640 Dutch Settlement Street, Dowagiac, MI 49047?
Per FCC broadband data, this property has access to fiber internet service. The maximum advertised download speed is 7.0 Gbps. 6 internet providers serve this address. Confirm availability and speeds directly with providers.
Who are the utility providers for this property?
Per Michigan Public Service Commission service territory data: Electric: Indiana Michigan Power Company. Gas: SEMCO Energy Gas Company. Sewer: Septic Tank. Water: Well. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Wayne Twp police department or the Cass County sheriff's office.
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Monthly payment$2,659
Principal & interest$2,659
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
FiberDownload
7 Gbps
Upload
7 Gbps
FiberLicensed Fixed WirelessGSO SatelliteSatellite
6 providers at this address
FCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Indiana Michigan Power Company
Investor-Owned
SEMCO Energy Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
26640 Dutch Settlement Street, Dowagiac, MI 49047
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