224 Locust Ct, Bluffton, OH 45817 Property Records

Allen County property record for 224 Locust Ct, Bluffton, OH 45817

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,196 sqft · built 1999
Lot Size	0.199 acres (8,668 sqft)
Owner	Individual Name on File
Last Sale	$291,000 (Apr 2022)
Tax Bill	$3,015 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-0200-02-001.018`

Property Details

APN / Parcel Number

Primary APN	`28-0200-02-001.018`
Alternative APN	`A0228020002001018`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,196 sqft Living Area
Gross Area	2,679 sqft
1st Floor Area	2,196 sqft
Attic	Attic
Attic Area	116 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Lot Area	8,668 sqft (0.199 acres)
Lot Dimensions	134 ft deep x 64.7 ft wide
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	382 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	224 LOCUST CT
City	BLUFFTON
State	OH
Zip	45817-8534
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERBEND SUBDIVISION-PHASE 1 LOT 1254 FF 50.27
Legal Subdivision	RIVERBEND SUBDIVISION
Legal Phase	1
Legal Lot Number	1254
Jurisdiction	ALLEN OH
Township / Civil Division	RICHLAND
Census Block Group	2
Census Block	2024
Census Tract	10100

Owner

224 Locust Ct is owned and occupied by an individual who bought it in April 2022.

Source: Allen County records, as of May 21, 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	Individual Name on File
Mailing Address	224 LOCUST CT, BLUFFTON, OH 45817-8534
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage THE CITIZENS NATIONAL BANK OF BLUFFTON
Apr 25, 2022	Warranty Deed, Transfer · Conventional Mortgage THE CITIZENS NATIONAL BANK OF BLUFF

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 25, 2022 · Amount on File
Deed Sale	Apr 25, 2022 · Amount on File
Prior Sale	Jan 16, 1998 · Amount on File
Deed Document Number	20224790
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	224 LOCUST CT, BLUFFTON, OH 45817-8534
Transaction Type	Mortgage
Record Updated	Jun 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 LOCUST CT, BLUFFTON, OH 45817-8534

Mortgage

Document Number	6020006623
Date	Jun 2, 2022
Book Page	2022/6623
Instrument	202206020006623

Lender

Name	THE CITIZENS NATIONAL BANK OF BLUFFTON
Type	Bank
Address	BLUFFTON, OH 45817

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	119 Months
Due	May 30, 2032

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Apr 25, 2022
Property Address	224 LOCUST CT, BLUFFTON, OH 45817-8534
Document Number	4250004790
Book / Page	2022 / 4790
Map Reference	MB 22 PG 122
Instrument Date	Apr 23, 2022
Instrument	202204250004790
Transaction Type	Transfer
Record Updated	May 6, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 LOCUST CT, BLUFFTON, OH 45817-8534

Mortgage

Document Number	4250004791
Date	Apr 25, 2022
Instrument	202204250004791

Lender

Name	THE CITIZENS NATIONAL BANK OF BLUFF
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	May 1, 2027
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	6.5%
Index	1-Year CMT
Max Rate	10.5%

Tax Assessment & Valuation

The 2025 property tax bill for 224 Locust Ct was $3,015 with a homeowner's exemption, down 0.3% from the year before.

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	$3,015.00 (-0.3%)	$100,940 (-) Land $7,210 Building $93,730	$288,400 (-) Land $20,600 Building $267,800
2024	$3,024.00 (-19.25%) Homeowner's exemption	$100,940 (-0.76%) Land $7,210 Building $93,730	$288,400 Land $20,600 Building $267,800
2023	$3,745.00 (+11.62%)	$101,710 (-) Land $6,860 Building $94,850
2022	$3,355.00 Homeowner's exemption	$101,710 Land $6,860 Building $94,850
2021			$290,600 Land $19,600 Building $271,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 224 Locust Ct in Zone X, an area of minimal flood risk, though there have been 17 flood claims nearby since 1979.

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

Wildfire risk around 224 Locust Ct 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 97% of the US · lower than 85% 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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Watch TV Fixed Wireless	400 / 40
MetaLINK Technologies Fixed Wireless	200 / 50

May also be available: Brightspeed, Buckeye Wireless, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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