1204 Echo Ln, Bluffton, IN 46714 Property Records

Wells County property record for 1204 Echo Ln, Bluffton, IN 46714

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,500 sqft · built 1960
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (Nov 2021)
Tax Bill	$1,772 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`90-08-03-300-028.000-004`

Property Details

APN / Parcel Number

Primary APN	`90-08-03-300-028.000-004`
Alternative APNs	`00001544256` `0100702500`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,500 sqft Living Area
1st Floor Area	1,500 sqft
Basement Area	432 sqft
Unfinished Basement	432 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 2000
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	17,860 sqft (0.41 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001544256
Street Address	1204 ECHO LN
City	BLUFFTON
State	IN
Zip	46714-2805
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	03-26-12 PT SE SW 0.41A (3-O)
Jurisdiction	WELLS IN
Township / Civil Division	HARRISON
Census Block Group	2
Census Block	2030
Census Tract	40500

Owner

Source: Wells County records, as of October 7, 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 File
Mailing Address	1204 ECHO LN, BLUFFTON, IN 46714-2805
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2026	Deed of Trust, Mortgage · Line of Credit LENDAGE LLC
Nov 1, 2021	Warranty Deed, Transfer · FHA Mortgage AMERICAN MORTGAGE SERVICES
Sep 11, 2019	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2021 · Amount on File
Deed Sale	Nov 1, 2021 · Amount on File
Prior Sale	Sep 11, 2019 · Amount on File
Deed Document Number	20215004
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLS IN
Recording Date	Sep 15, 2026
Property Address	1204 ECHO LN, BLUFFTON, IN 46714-2805
Document Number	0000003334
Instrument Date	Sep 9, 2026
Instrument	20263334
Transaction Type	Mortgage
Record Updated	Oct 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1204 ECHO LN, BLUFFTON, IN 46714-2805

Mortgage

Document Number	0000003334,
Date	Sep 15, 2026
Instrument	20263334

Lender

Name	LENDAGE LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2046

Interest

Max Rate	-1%

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WELLS IN
Recording Date	Nov 1, 2021
Property Address	1204 ECHO LN, BLUFFTON, IN 46714-2805
Document Number	0020215004
Instrument Date	Oct 29, 2021
Instrument	20215004
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	METROPOLITAN TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1204 ECHO LN, BLUFFTON, IN 46714-2805

Mortgage

Document Number	0020215005
Date	Nov 1, 2021
Instrument	20215005

Lender

Name	AMERICAN MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WELLS IN
Recording Date	Sep 11, 2019
Property Address	1204 ECHO LN, BLUFFTON, IN 46714-2805
Document Number	0020193109
Instrument Date	Sep 9, 2019
Instrument	20193109
Transaction Type	Transfer
Record Updated	Feb 14, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1204 ECHO LN, BLUFFTON, IN 46714-2805

Mortgage

Document Number	0020193110
Date	Sep 11, 2019
Instrument	20193110

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$1,772.00 (+1.08%) Homeowner's exemption	$218,400 (+9.04%) Land $44,100 Building $174,300	$218,400 (+9.04%) Land $44,100 Building $174,300
2024	$1,753.00 (+41.14%)
2023		$200,300 (+13.16%) Land $38,400 Building $161,900	$200,300 (+13.16%) Land $38,400 Building $161,900
2022	$1,242.00	$177,000 Land $30,100 Building $146,900	$177,000 Land $30,100 Building $146,900

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 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

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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