232 N Spring St, Bluffton, OH 45817 Property Records

Allen County property record for 232 N Spring St, Bluffton, OH 45817

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,632 sqft · built 1960
Lot Size	0.239 acres (10,411 sqft)
Owner	2 Individual Names on Record
Last Sale	$148,500 (Mar 2019)
Tax Bill	$2,003 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28-0110-08-004.000`

Property Details

APN / Parcel Number

Primary APN	`28-0110-08-004.000`
Alternative APN	`A0228011008004000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,632 sqft Living Area
Gross Area	2,168 sqft
1st Floor Area	1,104 sqft
Upper Floors Area	528 sqft
Basement Area	384 sqft
Family Room	Family Room

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1992
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	10,411 sqft (0.239 acres)
Lot Dimensions	165 ft deep x 63 ft wide
Garage Type	Detached
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Frame Porch
Porch Area	232 sqft
Patio Area	304 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	232 N SPRING ST
City	BLUFFTON
State	OH
Zip	45817-1110
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GODFREYS ADDITION LOTS 184 SW 1/3 & 185 SW1/3 & 1/2 VAC ALLEY FF 55.00 JOINT TEN
Legal Subdivision	GODFREYS ADDITION
Legal Lot Number	184
Jurisdiction	ALLEN OH
Township / Civil Division	RICHLAND
Census Block Group	2
Census Block	2035
Census Tract	10100

Owner

Source: Allen County records, as of May 21, 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	232 N SPRING ST, BLUFFTON, OH 45817-1110
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2025	Deed of Trust, Mortgage · Line of Credit SUPERIOR CU
Mar 10, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 24, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Mar 18, 2019	Warranty Deed, Transfer · VA Mortgage STEARNS LNDG LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2019 · Amount on Record
Deed Sale	Mar 18, 2019 · Amount on Record
Prior Sale	May 21, 1999 · Amount on Record
Deed Document Number	20192293
Deed Book / Page	2019 / 2293
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	232 N SPRING ST, BLUFFTON, OH 45817-1110
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10070010263
Date	Oct 7, 2025
Book Page	2025/10263
Instrument	202510070010263

Lender

Name	SUPERIOR CU
Type	Credit Union
Address	4230 ELIDA RD, LIMA, OH 45807

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	203 Months
Due	Sep 19, 2042

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	232 N SPRING ST, BLUFFTON, OH 45817-1110
Transaction Type	Mortgage
Record Updated	Mar 18, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3100002979
Date	Mar 10, 2021
Book Page	2021/2979
Instrument	202103100002979

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	RADIUM SPRINGS, NM 88054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Jun 1, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	232 N SPRING ST, BLUFFTON, OH 45817-1110
Document Number	0000005710
Instrument Date	Apr 24, 2020
Transaction Type	Mortgage
Record Updated	Jul 1, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	232 N SPRING ST BLUFFTON OH 458171110, BLUFFTON, OH 45817-1110

Mortgage

Document Number	0000005710
Date	Jun 1, 2020
Instrument	5710

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 31, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Mar 18, 2019
Property Address	232 N SPRING ST, BLUFFTON, OH 45817-1110
Document Number	0000002293
Instrument Date	Mar 18, 2019
Instrument	2293
Transaction Type	Transfer
Record Updated	Mar 27, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$445.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	232 N SPRING ST BLUFFTON OH 458171110, BLUFFTON, OH 45817-1110

Mortgage

Document Number	2294
Date	Mar 18, 2019
Instrument	2294

Lender

Name	STEARNS LNDG LLC
Address	SANTA ANA, CA 92707

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 17, 2049

Interest

Rate	4%

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	$2,003.00	$60,690 (-) Land $10,500 Building $50,190	$173,400 (-) Land $30,000 Building $143,400
2024	$2,003.00 (+11.15%) Homeowner's exemption	$60,690 (+19.99%) Land $10,500 Building $50,190	$173,400 (+2%) Land $30,000 Building $143,400
2023	$1,802.00 (-0.99%) Homeowner's exemption	$50,580 (-) Land $8,750 Building $41,830
2022	$1,820.00 Homeowner's exemption	$50,580 Land $8,750 Building $41,830
2021			$144,500 Land $25,000 Building $119,500

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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 240 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
Watch TV Fiber · Fixed Wireless	1,000 / 500
MetaLINK Technologies Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Buckeye Wireless.

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