232 Apple St, Coloma, MI 49038 Property Records

Berrien County property record for 232 Apple St, Coloma, MI 49038

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1961
Lot Size	0.185 acres (8,059 sqft)
Owner	Individual Name on File
Last Sale	$122,000 (Jul 2018)
Tax Bill	$2,337 (2025)
Deeds & Mortgages	Mar 2017 Line of Credit Nov 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`60-1260-0073-00-7`

Property Details

APN / Parcel Number

Primary APN	`60-1260-0073-00-7`
Alternative APN	`11-60-1260-0073-00-7`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Lot Area	8,059 sqft (0.185 acres)
Lot Dimensions	122 ft deep x 66 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	232 APPLE ST
City	COLOMA
State	MI
Zip	49038-9728
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 73 COLOMA HEIGHTS NO 1
Legal Subdivision	COLOMA HEIGHTS
Legal Lot Number	73
Legal Unit	73
Jurisdiction	BERRIEN MI
Township / Civil Division	COLOMA
Census Block Group	4
Census Block	4008
Census Tract	10201

Owner

232 Apple St is owned and occupied by an individual who bought it in July 2018.

Source: Berrien County records, as of September 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	232 APPLE ST, COLOMA, MI 49038-9728
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2017	Deed of Trust, Mortgage · Line of Credit HORIZON BANK NA
Nov 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Feb 3, 2020	Intrafamily Transfer, Transfer
Jul 9, 2018	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2018 · Amount on File
Deed Sale	Jul 9, 2018 · Amount on File
Prior Sale	Jul 9, 2018 · Amount on File
Deed Book / Page	3210 / 2973
Transfer Doc	03263/3255
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	232 APPLE ST, COLOMA, MI 49038-9728
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03167/1698
Date	Mar 27, 2017
Book Page	3167/1698

Lender

Name	HORIZON BANK NA
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Feb 20, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	232 APPLE ST, COLOMA, MI 49038-9728
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03255/3293
Date	Nov 8, 2019
Book Page	3255/3293

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Feb 3, 2020
Property Address	232 APPLE ST, COLOMA, MI 49038-9728
Document Number	03263/3255
Book / Page	3263 / 3255
Map Reference	LB 16 PG 28
Instrument Date	Jan 28, 2020
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	232 APPLE ST, COLOMA, MI 49038-9728

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jul 9, 2018
Property Address	232 APPLE ST, COLOMA, MI 49038-9728
Document Number	03210/2973
Book / Page	3210 / 2973
Map Reference	LB16 PG28
Instrument Date	Jun 29, 2018
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,049.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2322 AOOKE ST, COLOMA, MI 49038

Mortgage

Document Number	0032102974
Date	Jul 9, 2018
Instrument	3210/2974

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 232 Apple St was $2,337 with a homeowner's exemption, up 2.7% from the year before.

Source: Berrien County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
Municipality	Coloma City
Unified School District	Coloma Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$86,100 (-2.49%)	$172,200 (-2.49%)
2025	$2,337.00 (+2.68%) Homeowner's exemption	$88,300	$176,600
2024	$2,276.00
2023		$70,800	$141,600
2022	$2,128.00

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

Flood

FEMA maps place 232 Apple St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2024

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 232 Apple 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 95% of the US · lower than 89% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	COLOMA serves 1,555 people · EPA ID MI0001530
Water Source	Groundwater
Last State Inspection	May 2025
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	None 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 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Midwest Energy & Communications.

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