103 Polo, Bluffton, OH 45817 Property Records

Allen County property record for 103 Polo, Bluffton, OH 45817

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,735 sqft · built 2003
Lot Size	0.293 acres (12,763 sqft)
Owner	2 Individual Names on File
Last Sale	$22,000 (Nov 2002)
Tax Bill	$3,273 (2025)
Deeds & Mortgages	Jul 2025 Line of Credit Apr 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-0106-04-006.000`

Property Details

APN / Parcel Number

Primary APN	`28-0106-04-006.000`
Alternative APN	`A0228010604006000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,735 sqft Living Area
Gross Area	5,303 sqft
1st Floor Area	1,848 sqft
Attic	Attic
Attic Area	887 sqft
Basement Area	1,848 sqft
Family Room	Family Room

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	12,763 sqft (0.293 acres)
Lot Dimensions	144 ft deep x 88.4 ft wide
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Stoop
Porch Area	48 sqft
Patio Area	435 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	103 POLO
City	BLUFFTON
State	OH
Zip	45817-2101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLTOP ADDITION NO 8 LOT 1274 JOINT TEN FF 125.47
Legal Subdivision	HILLTOP ADDITION
Legal Lot Number	1274
Jurisdiction	ALLEN OH
Township / Civil Division	RICHLAND
Census Block Group	2
Census Block	2014
Census Tract	10100

Owner

Source: Allen County assessment roll, as of May 21, 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 File
Mailing Address	103 POLO, BLUFFTON, OH 45817-2101
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2025	Deed of Trust, Mortgage · Line of Credit THE FIRST NATIONAL BANK OF PANDORA
Apr 25, 2025	Transfer on Death Deed, Transfer
Apr 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NAT'L BK/BLUFFTON

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 5, 2002 · Amount on Record
Deed Sale	Nov 5, 2002 · Amount on Record
Record Updated	Sep 20, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	103 POLO, BLUFFTON, OH 45817-2101
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 POLO, BLUFFTON, OH 45817-2101

Mortgage

Document Number	7310007729
Date	Jul 31, 2025
Book Page	2025/7729
Instrument	202507310007729

Lender

Name	THE FIRST NATIONAL BANK OF PANDORA
Type	Bank
Address	102 E MAIN ST, PANDORA, OH 45877

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Aug 5, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ALLEN OH
Recording Date	Apr 25, 2025
Property Address	103 POLO, BLUFFTON, OH 45817-2101
Document Number	4250003634
Book / Page	2025 / 3634
Map Reference	MB 23 PG 46
Instrument Date	Apr 25, 2025
Instrument	202504250003634
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 POLO, BLUFFTON, OH 45817-2101

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	103 POLO, BLUFFTON, OH 45817-2101
Document Number	0000003891
Instrument Date	Apr 9, 2020
Transaction Type	Mortgage
Record Updated	Jun 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	103 POLO BLUFFTON OH 458172101, BLUFFTON, OH 45817-2101

Mortgage

Document Number	0000003891
Date	Apr 17, 2020
Instrument	3891

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 16, 2035

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	$3,273.00 (-0.09%)	$99,230 (-) Land $14,810 Building $84,420	$283,500 (-) Land $42,300 Building $241,200
2024	$3,276.00 (+29.79%) Homeowner's exemption	$99,230 (+4%) Land $14,810 Building $84,420	$283,500 (+4%) Land $42,300 Building $241,200
2023	$2,524.00 (-1.02%) Homeowner's exemption	$70,880 (-) Land $10,570 Building $60,310
2022	$2,550.00 Homeowner's exemption	$70,880 Land $10,570 Building $60,310
2021			$202,500 Land $30,200 Building $172,300

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

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

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
Benton Ridge Telephone Company Fixed Wireless · Fiber in parts of the area	400 / 40
Verizon Fixed Wireless	300 / 20
Defiance Holdings Fixed Wireless	200 / 50
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Vaughnsville Telephone Company.

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