102 Polo, Bluffton, OH 45817 Property Records

Allen County property record for 102 Polo, Bluffton, OH 45817

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 4,168 sqft · built 1999
Lot Size	0.532 acres (23,174 sqft)
Owner	2 Individual Names on Record
Last Sale	$267,500 (Jul 2020)
Tax Bill	$4,278 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-0106-02-027.000`

Property Details

APN / Parcel Number

Primary APN	`28-0106-02-027.000`
Alternative APN	`A0228010602027000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	4,168 sqft Living Area
Gross Area	4,940 sqft
1st Floor Area	2,168 sqft
Basement Area	2,168 sqft
Finished Basement	2,000 sqft
Unfinished Basement	168 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	23,174 sqft (0.532 acres)
Lot Dimensions	178 ft deep x 129 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Frame Porch
Porch Area	355 sqft
Patio Area	431 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Storm Sewer
Water Source	Commercial

Location & Zoning

Street Address	102 POLO
City	BLUFFTON
State	OH
Zip	45817-2100
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLTOP ADDITION NO 8 LOT 1270 JOINT TEN FF 95.30
Legal Subdivision	HILLTOP ADDITION
Legal Lot Number	1270
Jurisdiction	ALLEN OH
Township / Civil Division	RICHLAND
Census Block Group	2
Census Block	2007
Census Tract	10100

Owner

Source: Allen County records, as of May 21, 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	2 Individual Names on Record
Mailing Address	102 POLO, BLUFFTON, OH 45817-2100
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2023	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Jul 28, 2020	Warranty Deed, Transfer · Conventional with PMI CITIZENS NAT'L BK/BLUFFTON
Nov 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NAT'L BK/BLUFFTON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2020 · Amount on Record
Deed Sale	Jul 28, 2020 · Amount on Record
Prior Sale	Apr 1, 2005 · Amount on Record
Deed Document Number	20208570
Deed Book / Page	2020 / 8570
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	102 POLO, BLUFFTON, OH 45817-2100
Transaction Type	Mortgage
Record Updated	Oct 12, 2023
Title Company	THIRD CAPITAL TITLE NEO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10020008559
Date	Oct 2, 2023
Book Page	2023/8559
Instrument	202310020008559

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 27, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Jul 28, 2020
Property Address	102 POLO, BLUFFTON, OH 45817-2100
Document Number	0000008570
Instrument Date	Jul 28, 2020
Instrument	8570
Transaction Type	Transfer
Record Updated	Aug 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$803.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	102 POLO BLUFFTON OH 458172100, BLUFFTON, OH 45817-2100

Mortgage

Document Number	8571
Date	Jul 28, 2020
Instrument	8571

Lender

Name	CITIZENS NAT'L BK/BLUFFTON
Type	Bank
Address	BLUFFTON, OH 45817

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 27, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	102 POLO, BLUFFTON, OH 45817-2100
Document Number	0000012344
Instrument Date	Nov 12, 2019
Transaction Type	Mortgage
Record Updated	Dec 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	102 POLO BLUFFTON OH 458172100, BLUFFTON, OH 45817-2100

Mortgage

Document Number	0000012344
Date	Nov 20, 2019
Instrument	12344

Lender

Name	CITIZENS NAT'L BK/BLUFFTON
Type	Bank
Address	BLUFFTON, OH 45817

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 19, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.5%

Tax Assessment & Valuation

Source: Allen County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Allen County
County Subdivision	Richland Township
Municipality	Bluffton Village
Unified School District	Bluffton Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,278.00 (-0.12%)	$129,720 (-) Land $23,490 Building $106,230	$370,600 (-) Land $67,100 Building $303,500
2024	$4,283.00 (+29.87%) Homeowner's exemption	$129,720 (+40.01%) Land $23,490 Building $106,230	$370,600 (+40.01%) Land $67,100 Building $303,500
2023	$3,298.00 (-1.08%) Homeowner's exemption	$92,650 (-) Land $16,770 Building $75,880
2022	$3,334.00 Homeowner's exemption	$92,650 Land $16,770 Building $75,880
2021			$264,700 Land $47,900 Building $216,800

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 20, 2024 · 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	3 in force
Nearby Flood Claims	17 (1979–2019)
Claims Outside the SFHA	5 of 17
Most Recent Claim	Apr 2019 · river or lake flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 7 claims

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 96% of Ohio
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	BLUFFTON VILLAGE serves 4,082 people · EPA ID OH0200112
Water Source	Purchased surface water from OTTAWA VILLAGE
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Watch TV Fixed Wireless · Fiber in parts of the area	400 / 40
Verizon Fixed Wireless	300 / 20
MetaLINK Technologies Fixed Wireless	200 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Buckeye Wireless.

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