Sold
510 Spruce Street, Dowagiac, MI 49047
Sold on 04/27/2026 for$199,000
MLS # 26010602 (Michigan Regional Information Center (MichRIC))
4 beds2 baths2,016 sqftBuilt 19480.2 acres
1 / 36
Listing Description
This spacious home located in the heart of Dowagiac offers 4 bedrooms, 2 full bathrooms and features a partially finished basement, a fenced in backyard, and a detached garage that can accomodate 2+ cars. Enjoy the 2 wood burning fireplaces, both adorned with floor-to-ceiling stone. The eat in kitchen boasts ample cabinetry, hardwood floors, and access to a 3 season room. Recent upgrades include, newer roof, new furnace, and new water heater. The location offers proximity to schools, medical centers, downtown shopping, restaurants, and parks.
Source: SparkMLS
About this home
This 4-bedroom, 2-bath, 2,016 sq ft home built in 1948 sits in Dowagiac in Dowagiac.
Final sale price: $199,000 (about $99/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.
Electric service is provided by City of Dowagiac; natural gas by SEMCO Energy Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms2
Living Area2,016 sqft
Lot Size0.2 acres
Year Built1948
Stories2
Location
CityDowagiac
MunicipalityDowagiac City
Zip Code49047
CountyCass
School DistrictDowagiac
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementFull
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Available, Electricity Available, Natural Gas Connected
InteriorEat-in Kitchen
Sale & Financing
Listed3/18/2026
Sold Date4/26/2026
Terms AcceptedFHA, Conventional, Assumable
Source: SparkMLS
Tax Information
Annual Tax$2,211
Tax Year2025
Assessed Value$76,270
Parcel #14-160-200-897-00
Source: SparkMLS
Legal Description
. DW 2321 LOT 5 MARY E WHITNEYS ADD CITY OF DOWAGIAC.
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 Haley M Richter
Michigan Lakes Real Estate Team Inc.
Frequently Asked Questions about 510 Spruce Street, Dowagiac, MI 49047
Which school district serves 510 Spruce Street, Dowagiac, MI 49047?
Per MLS# 26010602, 510 Spruce Street, Dowagiac, MI 49047 is in the Dowagiac boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Dowagiac directly to confirm enrollment eligibility.
What type of financing is accepted for this listing?
Per MLS# 26010602, this listing accepts FHA, Conventional, Assumable financing. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 510 Spruce Street, Dowagiac, MI 49047?
Per public tax records, annual property taxes for this property are $2,211 (2025). 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.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 510 Spruce Street, Dowagiac, MI 49047 is in an eligible area. USDA RD loans offer 0% down payment for qualified buyers. Verify current eligibility at the USDA eligibility site, as boundaries are updated periodically.
Is 510 Spruce Street, Dowagiac, MI 49047 in a flood zone?
Per FEMA flood maps, this property is designated as Zone X, a minimal-risk flood area. 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.
What utilities serve 510 Spruce Street, Dowagiac, MI 49047?
Per Michigan Public Service Commission service territory data: Electric: City of Dowagiac. Gas: SEMCO Energy Gas Company. Sewer: Public. Water: Public. Confirm service details directly with providers.
What is the crime rate in this area?
For crime and public safety data, we recommend inquiring directly with the Dowagiac City police department or the Cass County sheriff's office.
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Monthly payment$1,291
Principal & interest$1,291
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
City of Dowagiac
Municipal
SEMCO Energy Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
510 Spruce Street, Dowagiac, MI 49047
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Municipality
Dowagiac
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