418 Polk St, Colon, MI 49040 Property Records

St. Joseph County property record for 418 Polk St, Colon, MI 49040

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,012 sqft · built 1990
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Jul 2026)
Tax Bill	$1,317 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Apr 2021 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`041-777-070-00`

Property Details

APN / Parcel Number

Primary APN	`041-777-070-00`

Interior

Full Baths	1 Bath
Building Area	1,012 sqft Building Perimeter
1st Floor Area	1,012 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Mobile Home
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	123 ft deep x 352 ft wide
Garage Area	576 sqft

Location & Zoning

Street Address	418 POLK ST
City	COLON
State	MI
Zip	49040-9319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	BEG AT PT 137.05 FT N & 408 FT W OF SE COR NW 1/4 SE 1/4 TN N PRL WITH E 1/8 LN 328.25 FT TH N 89D 16M 30S W 159.60 FT TH S 2
Legal Range	09W
Legal Township	06S
Legal Section	11
Jurisdiction	ST JOSEPH MI
Township / Civil Division	COLON
Census Block Group	2
Census Block	2004
Census Tract	41302

Owner

418 Polk St is owned and occupied by an individual who bought it in July 2026.

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

Owner of Record	Individual Name on File
Mailing Address	64771 BALK RD, STURGIS, MI 49091-9621
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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
Jul 14, 2026	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE
Apr 30, 2021	Warranty Deed, Transfer · Conventional Mortgage CONSUMERS CU
Oct 30, 2019	Deed of Trust, Mortgage · Commercial Mortgage STURGIS BANK & TRUST CO
Sep 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage OAK MORTGAGE LLC
Feb 4, 2019	Deed of Trust, Mortgage · Commercial Mortgage STURGIS BANK & TRUST CO
Oct 9, 2018	Deed of Trust, Mortgage · Commercial Mortgage STURGIS BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2026 · Amount on File
Deed Sale	Jul 14, 2026 · Amount on File
Prior Sale	Apr 30, 2021 · Amount on File
Deed Document Number	20265662
Prior Transfer Date	Nov 16, 1995
Prior Transfer Doc	1111000187
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jul 14, 2026
Property Address	418 POLK ST, COLON, MI 49040-9319
Document Number	0000005662
Instrument Date	Jun 26, 2026
Instrument	20265662
Transaction Type	Transfer
Record Updated	Jul 22, 2026
Title Company	DEVON, DEVON TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$121,200.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	64771 BALK RD, STURGIS, MI 49091-9621

Mortgage

Document Number	0000005663,
Date	Jul 14, 2026
Instrument	20265663

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.53%
Max Rate	-1%

Mortgage

Document Number	0000005664,
Date	Jul 14, 2026
Instrument	20265664

Lender

Name	MICHIGAN STATE HSNG DEV AUTH

Agreement

Amount	Amount on Record

Interest

Rate	6.53%
Max Rate	-1%

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Apr 30, 2021
Property Address	418 POLK ST, COLON, MI 49040-9319
Document Number	2021004816
Instrument Date	Apr 28, 2021
Instrument	2021004816
Transaction Type	Transfer
Record Updated	May 20, 2021
Title Company	OAK TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	418 POLK ST, 418, COLON, MI 49040-9319

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 BLUE STAR HWY, DOUGLAS, MI 49406-5126

Mortgage

Date	Apr 30, 2021

Lender

Name	CONSUMERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	418 POLK ST, COLON, MI 49040-9319
Transaction Type	Mortgage
Record Updated	Nov 13, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1981/0083
Date	Oct 30, 2019
Book Page	1981/0083

Lender

Name	STURGIS BANK & TRUST CO
Type	Bank
Address	STURGIS, MI 49091

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	418 POLK ST, COLON, MI 49040-9319
Transaction Type	Mortgage
Record Updated	Oct 3, 2019
Title Company	THE OAK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1975/0294
Date	Sep 19, 2019
Book Page	1975/0294

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company
Address	STURGIS, MI 49091

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2034

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	418 POLK ST, COLON, MI 49040-9319
Transaction Type	Mortgage
Record Updated	Feb 28, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1947/0038
Date	Feb 4, 2019
Book Page	1947/0038

Lender

Name	STURGIS BANK & TRUST CO
Type	Bank
Address	STURGIS, MI 49091

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	418 POLK ST, COLON, MI 49040-9319
Transaction Type	Mortgage
Record Updated	Oct 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1934/0432
Date	Oct 9, 2018
Book Page	1934/0432

Lender

Name	STURGIS BANK & TRUST CO
Type	Bank
Address	STURGIS, MI 49091

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 418 Polk St was $1,317 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		$49,500 (+51.38%) Land $26,900 Building $22,600	$99,000 (+51.38%) Land $53,800 Building $45,200
2025	$1,317.00 Homeowner's exemption	$32,700 Land $10,600 Building $22,100	$65,400 Land $21,200 Building $44,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 418 Polk 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

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

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

Wildfire

Wildfire risk around 418 Polk 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	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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