Wells County property record for 1043 E Garhard St, Bluffton, IN 46714
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,306 sqft · built 2010 |
| Lot Size | 1.42 acres (61,855 sqft) |
| Owner | Individual Name on File |
| Last Sale | $195,700 (Mar 2020) |
| Tax Bill | $1,246 (2025) |
| Deeds & Mortgages | Apr 2019 Mortgage Apr 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 90-05-17-500-010.000-010 |
| Primary APN | 90-05-17-500-010.000-010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,306 sqft Living Area |
| 1st Floor Area | 1,262 sqft |
| Attic | Attic |
| Attic Area | 2,088 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 61,855 sqft (1.42 acres) |
| Lot Dimensions | 150 ft deep x 299 ft wide |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
| Shed | 1 Shed |
| Shed Area | 72 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 00001576451 |
|---|---|
| Street Address | 1043 E GARHARD ST |
| City | BLUFFTON |
| State | IN |
| Zip | 46714-9223 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 17-27-12 1.42A INCLUDING LOTS 8-10 MATTHEW'S ADDN (17-NW) |
| Legal Subdivision | MATTHEW ADD |
| Legal Lot Number | 8-10 |
| Jurisdiction | WELLS IN |
| Township / Civil Division | LANCASTER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 40400 |
1043 E Garhard St is owned and occupied by an individual who bought it in March 2020.
Source: Wells County records, as of June 26, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1043 E GARHARD ST, BLUFFTON, IN 46714-9223 |
| 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.
| Date | Document |
|---|---|
| Apr 8, 2019 | Deed of Trust, Mortgage · FHA Mortgage FIRST GUARANTY MORTGAGE CORP |
| Apr 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE CO INC |
| Mar 10, 2020 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE CO INC |
| Jul 27, 2018 | Warranty Deed, Transfer · FHA Mortgage AMERICAN MORTGAGE SERVICES |
| Dec 19, 2017 | Deed, Transfer |
| Jun 22, 2017 | Sheriff's Deed, Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 10, 2020 · Amount on File |
| Deed Sale | Mar 10, 2020 · Amount on File |
| Prior Sale | Jul 27, 2018 · Amount on File |
| Deed Document Number | 2020988 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WELLS IN |
| Property Address | 1043 E GARHARD ST, BLUFFTON, IN 46714-9223 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0020191052 |
|---|---|
| Date | Apr 8, 2019 |
| Instrument | 20191052 |
| Name | FIRST GUARANTY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WELLS IN |
| Property Address | 1043 E GARHARD ST, BLUFFTON, IN 46714-9223 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2023 |
| Title Company | METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0020211607 |
|---|---|
| Date | Apr 7, 2021 |
| Instrument | 20211607 |
| Name | RUOFF MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WELLS IN |
| Recording Date | Mar 10, 2020 |
| Property Address | 1043 E GARHARD ST, BLUFFTON, IN 46714-9223 |
| Document Number | 0020200988 |
| Instrument Date | Mar 6, 2020 |
| Instrument | 20200988 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2023 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1043 E GARHARD ST, BLUFFTON, IN 46714-9223 |
| Document Number | 0020200989 |
|---|---|
| Date | Mar 10, 2020 |
| Instrument | 20200989 |
| Name | RUOFF MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WELLS IN |
| Recording Date | Jul 27, 2018 |
| Property Address | 1043 E GARHARD ST, BLUFFTON, IN 46714-9223 |
| Document Number | 0020182688 |
| Instrument Date | Jul 26, 2018 |
| Instrument | 20182688 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1043 E GARHARD ST, BLUFFTON, IN 46714-9223 |
| Document Number | 0020182689 |
|---|---|
| Date | Jul 27, 2018 |
| Instrument | 20182689 |
| Name | AMERICAN MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | WELLS IN |
| Recording Date | Dec 19, 2017 |
| Property Address | 1043 E GARHARD ST, BLUFFTON, IN 46714-9223 |
| Document Number | 0020172445 |
| Instrument Date | Dec 8, 2017 |
| Instrument | 20172445 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1650 MARION CENTER RD, DECATUR, IN 46733 |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | WELLS IN |
| Recording Date | Jun 22, 2017 |
| Property Address | 1043 E GARHARD ST, BLUFFTON, IN 46714-9223 |
| Document Number | 000157/495 |
| Book / Page | 157 / 495 |
| Instrument Date | Jun 14, 2017 |
| Instrument | 000959490002 |
| Transaction Type | Foreclosure |
| Record Updated | Jun 12, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14221 DALLAS PKWY STE 1000, 1000, DALLAS, TX 75254-2946 |
The 2025 property tax bill for 1043 E Garhard St was $1,246 with a homeowner's exemption, up 11.3% from the year before.
Source: Wells County assessment roll, as of June 26, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Wells County |
| County Subdivision | Lancaster Township |
| Unified School District | Northern Wells Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,246.00 (+11.25%) Homeowner's exemption | $207,000 Land $19,700 Building $187,300 | $207,000 Land $19,700 Building $187,300 |
| 2024 | $1,120.00 | ||
| 2023 | $191,100 (+13.89%) Land $19,700 Building $171,400 | $191,100 (+13.89%) Land $19,700 Building $171,400 | |
| 2022 | $893.00 | $167,800 Land $19,400 Building $148,400 | $167,800 Land $19,400 Building $148,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1043 E Garhard 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 September 30, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| 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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 5 in force |
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.
The area around 1043 E Garhard St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TWN Communications Fiber | 1,000 / 1,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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