434 Elm St, Colon, MI 49040 Property Records

St. Joseph County property record for 434 Elm St, Colon, MI 49040

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,012 sqft
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$154,000 (Aug 2023)
Tax Bill	$2,649 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Aug 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`041-070-005-00`

Property Details

APN / Parcel Number

Primary APN	`041-070-005-00`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,012 sqft Building Perimeter
1st Floor Area	675 sqft
Basement Area	675 sqft
Unfinished Basement	675 sqft

Exterior

Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	123 ft deep x 66 ft wide
Garage Area	480 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	434 ELM ST
City	COLON
State	MI
Zip	49040-9383
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 2 BLK 2 ASSESSORS PLAT NO. 2. VILL OF COLON
Legal Subdivision	ASSESSORS PLAT NO. 2. VILL OF COLON
Legal Block	2
Legal Lot Number	2
Jurisdiction	ST JOSEPH MI
Township / Civil Division	COLON
Census Block Group	1
Census Block	1075
Census Tract	41302

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	434 ELM ST, COLON, MI 49040-9383
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage CONSUMERS CU
Aug 29, 2023	Warranty Deed, Transfer · Conventional Mortgage CONSUMERS CU
Aug 29, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Dec 5, 2017	Warranty Deed, Transfer · Conventional Mortgage MERCANTILE BANK OF MICHIGAN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2023 · Amount on Record
Deed Sale	Aug 29, 2023 · Amount on Record
Prior Sale	Dec 5, 2017 · Amount on Record
Deed Document Number	20236162
Prior Transfer Date	Aug 28, 2023
Prior Transfer Doc	2023006164
Record Updated	Oct 29, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Dec 8, 2025
Property Address	434 ELM ST, COLON, MI 49040-9383
Document Number	2025009548
Map Reference	LB 2 PG 55
Instrument Date	Nov 21, 2025
Instrument	2025009548
Transaction Type	Transfer
Record Updated	Dec 24, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	434 ELM ST, COLON, MI 49040-9383

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	434 ELM ST, COLON, MI 49040-9383

Mortgage

Document Number	2025009549
Date	Dec 8, 2025
Instrument	2025009549

Lender

Name	CONSUMERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Aug 29, 2023
Property Address	434 ELM ST, COLON, MI 49040-9383
Document Number	2023006162
Map Reference	LB 2 PG 55
Instrument Date	Aug 28, 2023
Instrument	2023006162
Transaction Type	Transfer
Record Updated	Sep 15, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	434 ELM ST, COLON, MI 49040-9383

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	715 11TH ST, THREE RIVERS, MI 49093-1239

Mortgage

Document Number	2023006163
Date	Aug 29, 2023
Instrument	2023006163

Lender

Name	CONSUMERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Aug 29, 2023
Property Address	434 ELM ST, COLON, MI 49040-9383
Document Number	2023006164
Map Reference	LB 2 PG 55
Instrument Date	Aug 28, 2023
Instrument	2023006164
Transaction Type	Transfer
Record Updated	Sep 15, 2023
Title Company	ACCOMODATION, ACCOMMODATION

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	434 ELM ST, COLON, MI 49040-9383

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Dec 5, 2017
Property Address	434 ELM ST, COLON, MI 49040-9383
Document Number	1895/0868
Book / Page	1895 / 0868
Map Reference	LB2 PG55
Instrument Date	Oct 27, 2017
Instrument	1895-0868
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$761.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	69654 FRANKLIN RD, 69654, STURGIS, MI 49091-9523

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28483 BONHAM RD, CENTREVILLE, MI 49032-9769

Mortgage

Document Number	18950870
Date	Dec 5, 2017
Instrument	1895-0870

Lender

Name	MERCANTILE BANK OF MICHIGAN
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

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		$78,200 (+17.59%) Land $9,000 Building $69,200	$156,400 (+17.59%) Land $18,000 Building $138,400
2025	$2,649.00 (+52.59%) Homeowner's exemption	$66,500 (+16.67%) Land $3,100 Building $63,400	$133,000 (+16.67%) Land $6,200 Building $126,800
2024	$1,736.00
2023		$57,000 Land $3,300 Building $53,700	$114,000 Land $6,600 Building $107,400

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

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
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

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 114 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	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.

Nearby Properties on Elm St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures