154 Railroad St, Bluffton, OH 45817 Property Records

Allen County property record for 154 Railroad St, Bluffton, OH 45817

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,584 sqft · built 1920
Lot Size	0.223 acres (9,714 sqft)
Owner	2 Individual Names on Record
Last Sale	$40,000 (Mar 2016)
Tax Bill	$1,970 (2025)
Deeds & Mortgages	May 2026 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`28-1206-01-012.000`

Property Details

APN / Parcel Number

Primary APN	`28-1206-01-012.000`
Alternative APN	`A0228120601012000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,584 sqft Living Area
Gross Area	4,104 sqft
1st Floor Area	1,688 sqft
Upper Floors Area	896 sqft
Basement Area	1,460 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2013
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	9,714 sqft (0.223 acres)
Lot Dimensions	120 ft deep x 81 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Frame Porch
Porch Area	456 sqft
Lean-To	264 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Heating Fuel	Gas
Sewer	Storm Sewer
Water Source	Commercial

Location & Zoning

Street Address	154 RAILROAD ST
City	BLUFFTON
State	OH
Zip	45817-1420
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JAMES H EATONS 5TH ADDITION LOT 257 FF 120.00
Legal Subdivision	JAMES H EATONS 5TH ADDITION
Legal Lot Number	257
Jurisdiction	ALLEN OH
Township / Civil Division	RICHLAND
Census Block Group	3
Census Block	3009
Census Tract	10100

Owner

Source: Allen County records, as of June 9, 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 Record
Mailing Address	154 RAILROAD ST, 156, BLUFFTON, OH 45817-1420
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2016 · Amount on Record
Deed Sale	Mar 23, 2016 · Amount on Record
Prior Sale	Oct 18, 1990 · Amount on Record
Deed Document Number	20162872
Deed Book / Page	2016 / 2872
Prior Transfer Date	Mar 22, 2016
Prior Transfer Doc	3230002872
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Recording Date	May 5, 2026
Property Address	154 RAILROAD ST, BLUFFTON, OH 45817-1420
Document Number	0000004493
Instrument Date	Apr 15, 2026
Instrument	20264493
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 RAILROAD ST, BLUFFTON, OH 45817-1420
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004493,
Date	May 5, 2026
Instrument	20264493

Lender

Name	FIRST NATIONAL BANK OF PANA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 5, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

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	$1,970.00 (-0.05%)	$59,710 (-) Land $11,760 Building $47,950	$170,600 (-) Land $33,600 Building $137,000
2024	$1,971.00 (+11.17%) Homeowner's exemption	$59,710 (+19.97%) Land $11,760 Building $47,950	$170,600 (+19.97%) Land $33,600 Building $137,000
2023	$1,773.00 (-1.01%) Homeowner's exemption	$49,770 (-) Land $9,800 Building $39,970
2022	$1,791.00 Homeowner's exemption	$49,770 Land $9,800 Building $39,970
2021			$142,200 Land $28,000 Building $114,200

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	7 in force
Nearby Flood Claims	49 (1979–2020)
Claims Outside the SFHA	3 of 49
Most Recent Claim	May 2020 · river or lake flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 10 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 236 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
MetaLINK Technologies Fixed Wireless	500 / 100
Watch TV Fixed Wireless · Fiber in parts of the area	400 / 40
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20