1123 Echo Ln, Bluffton, IN 46714 Property Records

Wells County property record for 1123 Echo Ln, Bluffton, IN 46714

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,978 sqft · built 1965
Lot Size	0.52 acres (22,651 sqft)
Owner	2 Individual Names on File
Last Sale	$319,067 (Sep 2024)
Tax Bill	$2,833 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Dec 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`90-08-03-300-050.000-004`

Property Details

APN / Parcel Number

Primary APN	`90-08-03-300-050.000-004`
Alternative APNs	`00001544537` `0100738900`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,978 sqft Living Area
1st Floor Area	1,978 sqft
Basement Area	1,964 sqft
Unfinished Basement	1,964 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 2010
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	22,651 sqft (0.52 acres)
Garage Type	Mixed
Garage Area	600 sqft
Parking Spaces	3 Parking Spaces
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001544537
Street Address	1123 ECHO LN
City	BLUFFTON
State	IN
Zip	46714-2804
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SE SW 03-26-12 0.520A (3-O)
Jurisdiction	WELLS IN
Township / Civil Division	HARRISON
Census Block Group	2
Census Block	2029
Census Tract	40500

Owner

1123 Echo Ln is owned and occupied by two individuals who bought it in September 2024.

Source: Wells County records, as of June 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1123 ECHO LN, BLUFFTON, IN 46714-2804
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Oct 22, 2025	Deed of Trust, Mortgage · Conventional Mortgage FIRST SOURCE BANK
Dec 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage OSSIAN STATE BANK
Jun 30, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST BANK BERNIE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2024 · Amount on File
Deed Sale	Sep 23, 2024 · Amount on File
Prior Sale	Jun 30, 2020 · Amount on File
Deed Document Number	20243237
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLS IN
Property Address	1123 ECHO LN, BLUFFTON, IN 46714-2804
Transaction Type	Mortgage
Record Updated	Nov 26, 2025
Title Company	MERIDIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0020253501
Date	Oct 22, 2025
Instrument	20253501

Lender

Name	FIRST SOURCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLS IN
Property Address	1123 ECHO LN, BLUFFTON, IN 46714-2804
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020172508
Date	Dec 22, 2017
Instrument	20172508

Lender

Name	OSSIAN STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 10, 2032

Interest

Rate Type	Fixed Rate

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WELLS IN
Recording Date	Jun 30, 2020
Property Address	1123 ECHO LN, BLUFFTON, IN 46714-2804
Document Number	0020202681
Instrument Date	Jun 29, 2020
Instrument	20202681
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1123 ECHO LN, BLUFFTON, IN 46714-2804

Mortgage

Document Number	0020202682
Date	Jun 30, 2020
Instrument	20202682

Lender

Name	FIRST BANK BERNIE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1123 Echo Ln was $2,833 with a homeowner's exemption, up 13% from the year before.

Source: Wells County assessment roll, as of June 26, 2026

Property Jurisdictions

Type	Name
State	Indiana
Municipality	Bluffton City
County	Wells County
County Subdivision	Harrison Township
Unified School District	Bluffton-Harrison Metropolitan School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,833.00 (+13%) Homeowner's exemption	$319,100 Land $50,800 Building $268,300	$319,100 Land $50,800 Building $268,300
2024	$2,507.00
2023		$267,700 (+12.86%) Land $44,200 Building $223,500	$267,700 (+12.86%) Land $44,200 Building $223,500
2022	$1,816.00	$237,200 Land $34,600 Building $202,600	$237,200 Land $34,600 Building $202,600

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

Flood

FEMA maps place 1123 Echo Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2003)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2003 · Severe Storms, Tornadoes, And 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

Wildfire risk around 1123 Echo Ln 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 99.1% of the US · lower than 94% of Indiana
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 UTILITIES WATER DEPT serves 10,298 people · EPA ID IN5290001
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	4 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 200 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Craigville Telephone Company Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50

May also be available: Verizon.

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