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100 N Mill St, Dowagiac, MI, 49047

3beds
2baths
1,176sqft
$218,500
$186price/sqft
$1,736/moest. monthly cost
$69,440/yrincome needed

About This Home

Welcome home to this beautiful new construction ranch offering 3 bedrooms, 2 full baths, and 1,176 square feet of thoughtfully designed living space. The bright, open-concept floor plan creates an inviting atmosphere, seamlessly connecting the spacious living room, dining area, and well-appointed kitchen—perfect for everyday living and entertaining. The kitchen features modern cabinetry, ample counter space, and comes complete with all appliances, making this home truly move-in ready. The private primary suite offers a full bath and generous closet space, while two additional bedrooms and a second full bath provide flexibility for family, guests, or a home office. Located in the heart of Dowagiac, this home combines the peace of small-town living with convenient access to schools, parks, shopping, and dining. Whether you're a first-time homebuyer, looking to downsize, or simply searching for the benefits of brand-new construction, this exceptional home is ready to welcome you. Schedule your private showing today!

Getting Around

63
WalkingSomewhat Walkable
0
TransitVery Limited Transit
44
BikeSomewhat Bikeable

Schools

6/10
7/10
Dowagiac Middle SchoolGrades 6-81.1 mi
6/10
Union High SchoolGrades 9-121.0 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Composition
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: Laundry Closet

Basement

  • Basement: Slab

Bathroom1

  • Level: Main

Bathroom2

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 3

Cooling

  • Cooling features: Central Air

Dining Area

  • Level: Main

Features

  • Center Island
  • Flooring: Vinyl

Interior Area

  • Total structure area: 1,176
  • Total interior livable area: 1,176 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 1416030084603

Features

  • Stories: 1

Lot

  • Lot size: 0.26 Acres
  • Lot size dimensions: 69 x 166

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Hail
Inland Flooding
Lightning
Tornado
Winter Weather

FEMA Declared Disasters in Cass County and Michigan

Severe Ice Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,104$13,248
Home Insurance *$142$1,704
Property Taxes $302$3,624
Electricity $188$2,259
Total$1,736$20,832
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$59,520/yr
40% on housing$52,080/yr
45% on housing$46,293/yr

Michigan FAIR Plan Programs

Michigan Basic Property Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 15,981Commercial: 293
Total Premiums$13.85M
Total Exposure$2.60B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.3%
7.3%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 4.1%
4.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$186This listing

vs Other Active Listings

Avg $/sqft

ZIP 49047$186
Cass County$238

vs Homes Sold Last Month

Median $/sqft

ZIP 49047$164
Cass County$143

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-13Listed for sale$218,500

New Construction

AgentJoAnne Potts
BrokerageChuck Jaqua, REALTOR

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