Rental Investment Guide

Ontwa Township


Short-term & long-term rental regulations, fees, and investor resources for Cass County, Michigan.

Updated May 2026

Location: Ontwa Township (red outline) over OpenStreetMap. © OpenStreetMap contributors.

Area Overview


Ontwa Township sits in the southern tip of Cass County, Michigan, sharing borders with St. Joseph County to the east and Elkhart County, Indiana to the south. It encompasses 24 square miles around the Village of Edwardsburg and the unincorporated community of Adamsville, with a population of roughly 6,800 and a housing stock anchored by lakefront cottages on Eagle Lake, Christiana Lake, Pleasant Lake, Garver Lake, and Birch Lake [1]. The township is roughly 90 minutes east of Chicago and 15 minutes north of South Bend, putting it inside the secondary-home and weekend-rental orbit for both metros.

Short-term rentals are permitted by registration under Ontwa Township Short Term Rental Ordinance No. 2021-06-14.2 (effective July 19, 2021) [2]. The ordinance applies to single-family dwellings only; accessory dwelling units cannot be used for STR purposes [3]. There is no permit cap, but registration is mandatory at least 15 days before the first rental of each calendar year [4], and operators must carry $1,000,000 liability insurance, designate a local agent who can be on-site within 30 minutes if the owner does not live within 20 miles, and meet specific parking, occupancy, smoke/CO detector, and quiet-hours rules [2].

The township does not run a separate long-term rental registration program. Long-term landlord-tenant relationships fall under Michigan state law (MCL 554.601 et seq.) [5]; rental properties must still comply with the township’s adopted International Property Maintenance Code [6], the Zoning Ordinance amended January 12, 2026 (effective February 1, 2026) [7], and the Noise Ordinance (Ord. 70-2) [8]. The Village of Edwardsburg sits inside Ontwa Township as a separate jurisdiction with its own STR ordinance โ€” verify your parcel’s exact municipality before applying.

Quick Status Summary


Short-Term Rentals ALLOWED

Permitted in single-family dwellings only with annual registration under Ordinance 2021-06-14.2 [2]. No cap. Mandatory: $1M liability insurance, local agent within 20 miles, max one rental term per Sunday-to-Saturday week, smoke/CO detectors checked every 90 days, fire extinguisher in kitchen, address visible from road. Quiet hours 10 PMโ€“7 AM. Operating without registration draws a $750 first-violation fine and $1,000 for each subsequent violation [2]. The annual registration fee is set by Township Board resolution and is not published in the ordinance โ€” confirm the current amount with the Township Office before applying.

Long-Term Rentals ALLOWED

Permitted with no township-level rental registration program. Long-term tenancies (30 days or longer) are governed by Michigan landlord-tenant law (MCL 554.601 et seq.) [5]. Properties must comply with the township’s adopted International Property Maintenance Code [6], the Zoning Ordinance effective 2/1/2026 [7], the Blight Ordinance [9], and the Noise Ordinance [8]. Verify zoning district on the Zoning Map before purchase, since most lakefront parcels sit in the L-R Lake Residential district.

Rental Regulations


1 Where STRs Are Allowed (Zoning)

Ontwa Township Zoning Map

STRs are allowed in single-family dwellings only, township-wide, regardless of zoning district [2]. The Short Term Rental Ordinance regulates use, not district โ€” so a single-family dwelling in the AR (Agricultural/Residential), R-1A, R-1, L-R (Lake Residential), or R-2 districts can be registered as a short-term rental as long as it complies with the operating rules [7].

What’s NOT eligible:

  • Accessory dwelling units (ADUs) โ€” explicitly excluded by both the Zoning Ordinance Section 3.16 and the STR Ordinance Section 5(b)(4) [2][3].
  • Two-family or multi-family dwellings in the MFR district โ€” the STR Ordinance applies only to single-family dwellings [2].
  • Manufactured-home park units (M-H district) โ€” only single-family dwellings count under the ordinance [2].

For any specific property, confirm the parcel’s zoning district on the official map below, then verify single-family dwelling status with the Zoning Administrator before applying.

Ontwa Township boundary map (24 square miles in southern Cass County, bordering St. Joseph County and Elkhart County, Indiana)

Click to open the official Zoning Map (effective 2/1/2026) PDF.

2 Registration & Permit Process

Submit the Short-Term Rental Registration Form by mail or in person to the Township Office at 26225 U.S. 12, Edwardsburg, MI 49112, with the registration fee, a sketch of the floor plan, and a copy of the rental agreement [4]. Online submission is not currently offered; the form is a fillable PDF that must be printed and signed.

Registration is required at least 15 days before the first rental of each calendar year [4]. The ordinance treats registration as annual โ€” even if your property was registered the prior year, a new form and fee are required each calendar year [2].

SubmissionBy mail (PO Box 209, Edwardsburg, MI 49112) or in person at 26225 U.S. 12
FormShort Term Rental Registration Form (with ordinance attached)
Required attachmentsRegistration fee, sketch of floor plan, rental agreement, owner’s photo ID, signed affidavit [4]
Deadlineโ‰ฅ 15 days before first rental each calendar year
TermAnnual (each calendar year)
For investors: The registration is tied to the dwelling unit, not the owner โ€” but new owners must re-register and re-submit the affidavit. There is no automatic transfer at sale. Build a 30+ day onboarding window into any closing timeline if STR income is part of underwriting.
3 Fees & Penalties

The annual STR registration fee is set by Township Board resolution rather than fixed in the ordinance. The publicly posted Township Approved Fees schedule (last revised July 2019) predates the 2021 STR ordinance and does not list a specific STR amount [10]. Confirm the current fee with the Township Office at 269-663-2347 before mailing your application โ€” the form requires payment to accompany submission [4].

Annual STR registration feeSet by Township Board resolution โ€” confirm with Township Office [2]
Operating an unregistered STR (1st violation)$750 [2]
Operating unregistered (each subsequent violation)$1,000 [2]
Other STR ordinance violationsPer IPMC schedule [6]
Liability insurance required$1,000,000 minimum [2]

Each day a violation continues constitutes a separate violation under Section 6(a) of the ordinance [2]. Two separate violation incidents within a calendar year can trigger a revocation hearing before the Township Board, with a 1-year ban on re-registration if revocation is upheld [2].

4 Inspections & Safety Requirements

STR operators must consent to township inspections of the dwelling on at least 48 hours’ notice [2]. The township does not run a routine recurring inspection cycle written into the ordinance โ€” inspections are discretionary by the official charged with enforcement, typically triggered by complaints or registration review [2].

Mandatory equipment and disclosures (Section 5(c) and 5(j) of the ordinance) [2]:

  • Operational smoke detector in each bedroom, tested per manufacturer guidelines at least every 90 days.
  • Operational fire extinguisher in the kitchen area.
  • Operational carbon monoxide detector on each floor, tested every 90 days.
  • $1,000,000 liability insurance policy, with proof submitted at every annual registration.
  • Street address visible from the road, plus posted in at least two prominent interior locations (typically near the kitchen and any telephone or pool).

Well/septic inspections for STRs: The Van Buren/Cass District Health Department offers a Short-Term Rental Inspection Application as a separate service. If your local zoning or financing requires a current well/septic inspection, apply through the health department directly [11].

5 Operating Rules (Occupancy, Quiet Hours, Parking)

Occupancy is capped at the IPMC maximum, with day-time visitors (8 AMโ€“10 PM) allowed up to 2ร— the maximum overnight occupancy [2]. Section 5(b) of the STR ordinance imposes the following [2]:

  • Occupancy: Maximum overnight occupancy = whatever the adopted IPMC permits for the dwelling. Day-time guests (8 AMโ€“10 PM only) may bring total on-site count up to 2ร— the overnight max.
  • Sleeping arrangements: Traditional bedrooms with proper egress only โ€” no campers, tents, floors, or couches counted toward occupancy.
  • Booking cadence: Only one rental term per Sunday-to-Saturday calendar week. Back-to-back weekend bookings are prohibited.
  • Quiet hours: 10:00 PM to 7:00 AM, enforced through the township’s Noise Ordinance (Ord. 70-2, as amended) [8].
  • Parking minimums: 2 off-street spaces per unit (covers up to 6 occupants), plus 1 additional space for every 3 occupants beyond 6. Parking on grass, lawn areas, or the public street is prohibited.
  • Trash: Adequate closed-container trash service must handle all renter output; weekly disposal required.
  • Renter notice packet: Renters must receive copies of the ordinance, parking/trash/occupancy/quiet-hours rules, and any applicable lake-use customary practices [2].
6 Local Agent / 24-Hour Contact Requirement

If the owner does not live within 20 miles of the rental property, a local agent must be designated in writing on the registration form [4]. The agent must live or maintain a physical place of business within 20 miles of the dwelling [2].

Operating obligations on the owner or local agent (Section 5(g) of the ordinance) [2]:

  • Be available to accept telephone calls at all times the property is rented.
  • Hold a key to the unit.
  • Be capable of being physically present at the unit within 30 minutes when contacted by the township or law enforcement, or arrange for an equivalent substitute.

Complaint and emergency contacts:

7 Permit Caps, Moratoriums & Recent Changes

There is no permit cap and no moratorium in effect as of May 2026 [2][4]. Ontwa Township operates a registration-and-compliance model rather than a numerical cap, so any qualifying single-family dwelling can register provided it meets the operating rules.

Recent changes that affect rental operators:

  • Zoning Ordinance amended January 12, 2026, effective February 1, 2026. The amended ordinance reaffirmed the township-wide ban on STR use of accessory dwelling units (Section 3.16(F)) [7]. If you were planning an ADU build with rental income in mind, the ADU itself cannot be the STR โ€” though the principal dwelling on the same parcel still can.
  • STR Ordinance unchanged since 7/19/2021. Ordinance 2021-06-14.2 remains the controlling text [2]; check the Township Board agendas for any future amendments.
  • Cap status: No cap discussion currently on the public agendas reviewed for this guide. The closest cap-style townships in the broader region (Chikaming, New Buffalo) are in Berrien County and serve different markets.

The township board meets at 7:00 PM on the second Monday of each month at the township hall. Agenda packets and minutes are posted at the link below.

1 Where LTRs Are Allowed (Zoning)

Ontwa Township Zoning Map

Long-term rentals (terms of 30 days or longer) follow standard residential zoning โ€” they are not regulated by a separate Ontwa Township ordinance. If a parcel is zoned for residential dwelling use, an LTR is permitted by right with no township-level rental registration program required [7].

Single-family LTRs are permitted by right in the AR, R-1A, R-1, L-R (Lake Residential), and R-2 districts [7]. Two-family and multi-family LTRs are permitted by right in the MFR district [7]. Manufactured-home park rentals are governed by Article 10 of the Zoning Ordinance and the State Manufactured Home Commission rules [7].

Verify before underwriting: Confirm the parcel’s zoning district on the official map below, since lakefront properties on Eagle, Christiana, Pleasant, Garver, and Birch Lakes typically fall in the L-R district with its own setback and frontage requirements.

Ontwa Township boundary map

Click to open the official Zoning Map (effective 2/1/2026) PDF.

2 Registration & Permit Process

No township-level LTR registration program exists. Long-term landlord-tenant relationships are governed entirely by Michigan state law (MCL 554.601 et seq. and the Truth in Renting Act) [5]. Owners do not file annual paperwork with Ontwa Township to operate a long-term rental.

Owners are still responsible for the following compliance items:

  • Conformance with the township’s adopted International Property Maintenance Code (IPMC) for habitability, electrical, plumbing, mechanical, and structural standards [6].
  • Compliance with the Zoning Ordinance โ€” verify residential dwelling use is permitted by right or grandfathered [7].
  • Compliance with the Blight Ordinance (Ord. 05-06-03) โ€” exterior maintenance, debris removal, blighted-property remediation [9].
  • Compliance with the Noise Ordinance (Ord. 70-2) โ€” relevant for tenant complaint disputes [8].
  • State-level lead disclosures for properties built before 1978, security-deposit limits (1.5 months under MCL 554.602), and statutory eviction summary procedures [5].

If a property is in the Village of Edwardsburg (a separate municipality inside the township boundary), check Edwardsburg’s separate rules before assuming township ordinances control.

3 Fees & Penalties

There is no township-level LTR registration fee. Township fee exposure for an LTR property is limited to building/zoning permits, IPMC compliance enforcement, and any inspection or re-inspection fees triggered by complaints [10].

Annual LTR registration feeNone (no program)
Building permit base fee$75 minimum (โ‰ค$1,000 in work) per State Construction Code Act [10]
Zoning Compliance ApplicationSubmitted with permit (see fee schedule [10])
Blight Ordinance violationsMunicipal civil infraction; daily penalties accrue [9]
Building w/o permitPermit fees doubled as fine [10]

Tenant-side issues (security deposits, late fees, lease terms, eviction notice periods) are governed by Michigan state law, not by township ordinance [5].

4 Inspections & Safety Requirements

The township does not run routine inspections of long-term rental units. Inspections happen on three triggers:

  • New construction or alteration: Building, electrical, mechanical, and plumbing permits trigger code inspections per the Stille-DeRossett-Hale State Construction Code Act, with fees set by the State of Michigan permit and inspection fee schedule [10].
  • Complaint-driven IPMC inspections: Tenants or neighbors who report a habitability issue can trigger an IPMC inspection. The township-adopted code book defines required structural, electrical, plumbing, sanitary, and life-safety standards [6].
  • Home loan / property transfer inspections: Most lenders require a current well and septic inspection for properties on private systems. The Van Buren/Cass District Health Department handles these โ€” apply through their online portal [11].

Smoke alarms and CO detectors: Michigan state code requires smoke alarms in every bedroom and on every floor of one- and two-family dwellings, with hardwired interconnection in homes built or substantially altered after 2015. CO detectors are required outside each separate sleeping area for any dwelling with a fuel-burning appliance or attached garage. These are the standard for any rental property whether or not the township inspects.

5 Tenant Rights & Eviction Resources

Michigan landlord-tenant law applies in Ontwa Township without modification โ€” the township does not enact local renter protections or rent-control rules. The State Bar of Michigan publishes a free Practical Guide for Tenants and Landlords covering leases, security deposits (capped at 1.5 months’ rent under MCL 554.602), repairs, lockouts, and the summary-proceedings eviction process [5].

Key state-law touchpoints for owners:

  • Security deposit: Cannot exceed 1.5ร— monthly rent; must be held in a regulated financial institution; itemized return within 30 days of move-out (MCL 554.602โ€“554.613) [5].
  • Eviction notices: 7-day demand for non-payment of rent; 30-day notice for termination of month-to-month tenancy; 24-hour for substantial damage or illegal-drug activity. Filed in district court via the summary-proceedings process [5].
  • Truth in Renting Act: Prohibits certain lease clauses (waiving statutory rights, releasing liability for landlord negligence, etc.).
  • Disclosures: Lead-based-paint disclosure for pre-1978 housing, identification of the person authorized to receive notices (typically the local agent or owner).

Official Resources


Property Tax Treatment


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Important for investors: A property used as a rental in Michigan is generally classified as non-homestead, which is taxed at the full local millage rate (no Principal Residence Exemption). Short-term rental income may also be subject to the Michigan Use Tax on transient accommodations. Consult a CPA before underwriting any deal โ€” these are not opinions, they are starting points for your own tax research.

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Buying, selling, or investing in Ontwa Township?

From Eagle Lake cottages to Edwardsburg-border subdivisions, I help investors and homeowners navigate the township's STR registration ordinance, the new zoning rules effective 2/1/2026, and the Cass County deal flow that decides whether a property pencils out.

Sources & Downloads


  1. 1
    Ontwa Township โ€” Home page (population, geography, hours, address) https://www.ontwatwp.org/
    Township boundaries, population (~6,800), 24 sq mi, includes Village of Edwardsburg and Adamsville. Hours Monโ€“Fri 8 AMโ€“2 PM. Address 26225 U.S. 12, Edwardsburg, MI 49112.
    Verified: 2026-05-09
  2. 2
    Ontwa Township Short Term Rental Ordinance (Ord. 2021-06-14.2) https://www.ontwatwp.org/_files/ugd/08b2ce_c12d1323c14e4b13bc882fe9e557ced3.pdf
    Full STR ordinance โ€” registration, fees by board resolution, $750/$1,000 fines, $1M insurance, 20-mile local agent, 30-min response, 10 PMโ€“7 AM quiet hours, parking, occupancy. Effective 30 days after publication 6/14/2021.
    Verified: 2026-05-09
  3. 3
    Ontwa Township โ€” Apps & Forms page https://www.ontwatwp.org/downloads
    Index of all township application forms including STR Registration Form, Zoning Compliance, Building Permit, ADU compliance, Pier Authorization, Pool, Variance, etc.
    Verified: 2026-05-09
  4. 4
    Ontwa Township โ€” Short-Term Rental Registration Form (with ordinance attached) https://www.ontwatwp.org/_files/ugd/d3c6d9_67bae43a83fd4590af820d256034f0b2.pdf
    10-page combined form + ordinance. Submission by mail/in-person, 15-day pre-rental deadline, fee accompanies form, photo ID required, sketch + lease attached.
    Verified: 2026-05-09
  5. 5
    Michigan Legislature โ€” A Practical Guide for Tenants & Landlords https://www.legislature.mi.gov/publications/tenantlandlord.pdf
    State Bar of Michigan landlord-tenant guide โ€” leases, deposits, eviction, Truth in Renting Act.
    Verified: 2026-05-09
  6. 6
    Ontwa Township โ€” International Property Maintenance Code Book https://www.ontwatwp.org/_files/ugd/08b2ce_d15a5ec977364bd780ff1efa18086773.pdf
    Township-adopted IPMC for habitability, electrical, plumbing, structural standards.
    Verified: 2026-05-09
  7. 7
    Ontwa Township Zoning Ordinance (amended 1/12/2026, effective 2/1/2026) https://www.ontwatwp.org/_files/ugd/d3c6d9_508d7d9db1e94dcaa4bde088d25784a5.pdf
    Full zoning ordinance, machine-readable. Section 3.16 ADU rules including STR exclusion. Articles 5โ€“11 cover residential and MFR districts.
    Verified: 2026-05-09
  8. 8
    Township noise ordinance referenced by STR ordinance Section 5(m) for quiet hours enforcement.
    Verified: 2026-05-09
  9. 9
    Exterior maintenance and blight remediation ordinance.
    Verified: 2026-05-09
  10. 10
    Last published fee schedule โ€” predates STR ordinance. Building permit base fees per State Construction Code Act. Confirm STR fee with Township Office before applying.
    Verified: 2026-05-09
  11. 11
    Van Buren/Cass District Health Department โ€” Water & Septic + STR Inspection https://vbcassdhd.org/environmental-health/water-septic/
    Health department covering Cass County. Cass office (Dowagiac): (269) 782-0064. STR Inspection Application is a separate program on this page.
    Verified: 2026-05-09
  12. 12
    Ontwa Township Directory (staff names, emails, hours) https://www.ontwatwp.org/township-directory
    Zoning Administrator Dawn Bolock (zoning@ontwatwp.org); Building Inspector Richard Yoder (building@ontwatwp.org, cell 269-228-0145); Supervisor Meryl Christensen; Clerk Tina VanBelle.
    Verified: 2026-05-09
How this guide is produced. This rental guide is researched and drafted with assistance from Claude, an AI model made by Anthropic, working from the official municipal sources linked in this page. AI can make mistakes โ€” any fact that would materially affect a purchase or rental decision should be verified against the official source cited above and confirmed directly with the municipality. See an error? Email a correction.