128 W State St, Colon, MI 49040 Property Records

St. Joseph County property record for 128 W State St, Colon, MI 49040

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,710 sqft
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (May 2023)
Tax Bill	$2,352 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage May 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`041-180-004-00`

Property Details

APN / Parcel Number

Primary APN	`041-180-004-00`

Interior

Full Baths	1 Bath
Building Area	1,710 sqft Building Perimeter
1st Floor Area	1,710 sqft
Basement Area	1,710 sqft
Unfinished Basement	1,710 sqft

Exterior

Architectural Style	Ranch
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	140 ft deep x 105 ft wide
Garage Area	1,410 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	128 W STATE ST
City	COLON
State	MI
Zip	49040-9441
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 3 & 4 BLK 1 EXC E 27 FT OF LOT 3 ORIG PLAT VIL. OF COLON.
Legal Subdivision	RA VAILS ADD
Legal Block	1
Legal Lot Number	3-4
Jurisdiction	ST JOSEPH MI
Township / Civil Division	COLON
Census Block Group	1
Census Block	1021
Census Tract	41302

Owner

128 W State St is owned and occupied by two individuals who bought it in May 2023.

Source: St. Joseph County records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	128 W STATE ST, COLON, MI 49040-9441
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

Date	Document
May 15, 2023	Deed, Transfer · Conventional Mortgage OAK MORTGAGE LLC
May 13, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2023 · Amount on File
Deed Sale	May 15, 2023 · Amount on File
Prior Sale	May 13, 2021 · Amount on File
Record Updated	Sep 20, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ST JOSEPH MI
Recording Date	May 15, 2023
Property Address	128 W STATE ST, COLON, MI 49040-9441
Document Number	2023003754
Map Reference	LB 32 PG 161
Instrument Date	May 12, 2023
Instrument	2023003754
Transaction Type	Transfer
Record Updated	Aug 10, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,387.50
Amount Accuracy	Tax Sale
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	27539 LONDICK RD, BURR OAK, MI 49030-9719

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	812 WILLOW DR, COLON, MI 49040-9359

Mortgage

Document Number	2023003755
Date	May 15, 2023
Instrument	2023003755

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2026
Change Frequency	3 Years
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Index	Other
Max Rate	12.5%

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ST JOSEPH MI
Recording Date	May 13, 2021
Property Address	128 W STATE ST, COLON, MI 49040-9441
Document Number	2021005211
Map Reference	LB 32 PG 161
Instrument Date	May 11, 2021
Instrument	2021005211
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Amount	Amount on Record
Tax	$1,177.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27539 LONDICK ROAD, COLON, MI 49040

Tax Assessment & Valuation

The 2025 property tax bill for 128 W State St was $2,352 with a homeowner's exemption.

Source: St. Joseph County assessment roll, as of August 11, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	St. Joseph County
County Subdivision	Colon Township
Municipality	Colon Village
Unified School District	Colon Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$125,800	$251,600
2025	$2,352.00 Homeowner's exemption
2023		$85,300 Land $8,300 Building $77,000	$170,600 Land $16,600 Building $154,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 128 W State St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 4, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2020 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 128 W State St is low, with less than 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 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	COLON serves 1,190 people · EPA ID MI0001540
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	22 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 205 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Frontier.

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