130 Phillips St, Colon, MI 49040 Property Records

St. Joseph County property record for 130 Phillips St, Colon, MI 49040

Property Summary

Property Type	Single Family Home
Details	1 ba · 576 sqft
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$21,000 (Aug 2009)
Tax Bill	$1,049 (2025)
Deeds & Mortgages	Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`041-120-031-10`

Property Details

APN / Parcel Number

Primary APN	`041-120-031-10`

Interior

Full Baths	1 Bath
Building Area	576 sqft Building Perimeter
1st Floor Area	576 sqft
Basement Area	576 sqft
Unfinished Basement	576 sqft

Exterior

Architectural Style	Ranch
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Area	576 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	130 PHILLIPS ST
City	COLON
State	MI
Zip	49040-9312
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 7 BLK 6 CLEMENTS ADD VILL OF COLON (SPLIT W/ 041-120-031-00 6/01)
Legal Subdivision	CLEMENTS ADDITION
Legal Block	6
Legal Lot Number	7
Jurisdiction	ST JOSEPH MI
Township / Civil Division	COLON
Census Block Group	2
Census Block	2016
Census Tract	41302

Owner

130 Phillips St is owned and occupied by an individual who bought it in August 2009.

Source: St. Joseph County records, as of July 24, 2026

Owner of Record	Individual Name on File
Mailing Address	130 PHILLIPS ST, COLON, MI 49040-9312
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2009 · Amount on File
Deed Sale	Aug 19, 2009 · Amount on File
Prior Sale	Feb 11, 2009 · Amount on File
Deed Book / Page	1544 / 266
Prior Transfer Date	Feb 13, 2009
Prior Transfer Doc	1520/0567
Record Updated	Sep 20, 2026

October 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Oct 12, 2018
Property Address	130 PHILLIPS ST, COLON, MI 49040-9312
Document Number	01934/0799
Book / Page	1934 / 0799
Map Reference	LB1 PG35
Instrument Date	Oct 5, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	210 CREEK RD, 210, UNION CITY, MI 49094-9778

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 PHILLIPS ST, COLON, MI 49040-9312

Mortgage

Document Number	0001934801
Date	Oct 12, 2018
Instrument	1934/801

Lender

Name	CENTURY BANK & TRUST
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Nov 1, 2023
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	6.12%
Index	1-Year LIBOR
Max Rate	11.1%

Tax Assessment & Valuation

The 2025 property tax bill for 130 Phillips St was $1,049 with a homeowner's exemption.

Source: St. Joseph County assessment roll, as of July 24, 2026

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		$57,100 (+16.77%) Land $9,900 Building $47,200	$114,200 (+16.77%) Land $19,800 Building $94,400
2025	$1,049.00 Homeowner's exemption	$48,900 Land $4,400 Building $44,500	$97,800 Land $8,800 Building $89,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 130 Phillips St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 4, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 130 Phillips 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 99.1% of the US · lower than 98.4% 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 66 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
AT&T Fixed Wireless	100 / 20