426 Polk St, Colon, MI 49040 Property Records

St. Joseph County property record for 426 Polk St, Colon, MI 49040

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,432 sqft
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$185,270 (Nov 2021)
Tax Bill	$2,333 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Nov 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`041-777-072-00`

Property Details

APN / Parcel Number

Primary APN	`041-777-072-00`

Interior

Full Baths	1 Bath
Building Area	1,432 sqft Building Perimeter
1st Floor Area	870 sqft
Basement Area	510 sqft
Unfinished Basement	510 sqft

Exterior

Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	130 ft deep x 100 ft wide
Garage Area	888 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	426 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	COM C/L DALLAS ST & POLK ST TH W 165 FT TO POB TH W 100 FT TH S 168 FT TH E 100 FT TH N 168 FT TO POB. UNPLATTED VIL OF COLON
Jurisdiction	ST JOSEPH MI
Township / Civil Division	COLON
Census Block Group	2
Census Block	2004
Census Tract	41302

Owner

426 Polk St is owned and occupied by an individual who bought it in November 2021.

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

Owner of Record	Individual Name on File
Mailing Address	426 POLK ST, COLON, MI 49040-9319
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
Apr 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORPN
Nov 23, 2021	Warranty Deed, Transfer · VA Mortgage FLAGSTAR BANK FSB
May 8, 2017	Deed of Trust, Mortgage STURGIS BANK & TRUST CO
Jul 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 23, 2021 · Amount on File
Deed Sale	Nov 23, 2021 · Amount on File
Prior Sale	Aug 28, 2003 · Amount on File
Deed Document Number	202111828
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	426 POLK ST, COLON, MI 49040-9319
Transaction Type	Mortgage
Record Updated	Aug 22, 2023
Title Company	TITLE RESOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 POCK ST, COLON, MI 49040-9319

Mortgage

Document Number	2020001012
Date	Apr 21, 2020
Instrument	2020001012

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2035

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Nov 23, 2021
Property Address	426 POLK ST, COLON, MI 49040-9319
Document Number	2021011828
Instrument Date	Nov 23, 2021
Instrument	2021011828
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,391.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	426 POLK ST, 426, COLON, MI 49040-9319

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	848 S WERNERS LANDING DR, BRONSON, MI 49028-8324

Mortgage

Date	Nov 23, 2021

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	426 POLK ST, COLON, MI 49040-9319
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1869/0054
Date	May 8, 2017
Book Page	1869/0054

Lender

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

Agreement

Amount	Amount on Record

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	426 POLK ST, COLON, MI 49040-9319
Transaction Type	Mortgage
Record Updated	Aug 9, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1922/0728
Date	Jul 10, 2018
Book Page	1922/0728

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 426 Polk St was $2,333 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		$82,800 Land $2,400 Building $80,400	$165,600 Land $4,800 Building $160,800
2025	$2,333.00 Homeowner's exemption

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 426 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 426 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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