Wells County property record for 2450 E Terrace Dr, Bluffton, IN 46714
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,732 sqft · built 1976 |
| Lot Size | 1.9 acres (82,982 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $285,000 (Mar 2020) |
| Tax Bill | $2,299 (2025) |
| Deeds & Mortgages | Sep 2023 Line of Credit Jun 2017 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 90-05-28-501-007.000-010 |
| Primary APN | 90-05-28-501-007.000-010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 16 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,732 sqft Living Area |
| 1st Floor Area | 2,732 sqft |
| Basement Area | 948 sqft |
| Unfinished Basement | 948 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 2000 |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 82,982 sqft (1.9 acres) |
| Lot Dimensions | 415 ft deep x 200 ft wide |
| Garage Type | Detached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 00001577661 |
|---|---|
| Street Address | 2450 E TERRACE DR |
| City | BLUFFTON |
| State | IN |
| Zip | 46714-9239 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUNSET TERRACE SUB DIV 07-27-12 |
| Legal Subdivision | SUNSET TERRACE SUB |
| Jurisdiction | WELLS IN |
| Township / Civil Division | LANCASTER |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 40400 |
Source: Wells County records, as of June 26, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 2450 E TERRACE DR, BLUFFTON, IN 46714-9239 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 20, 2023 | Deed of Trust, Mortgage · Line of Credit PROFED FCU |
| Jun 22, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK BERNIE |
| Mar 12, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK BERNIE |
| Mar 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE CO INC |
| Mar 29, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK BERNIE |
| Sep 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PROFED FCU |
| May 19, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PROFED FCU |
| Mar 3, 2020 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE CO INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 3, 2020 · Amount on Record |
| Deed Sale | Mar 3, 2020 · Amount on Record |
| Deed Document Number | 2020889 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WELLS IN |
| Property Address | 2450 E TERRACE DR, BLUFFTON, IN 46714-9239 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0020233003 |
|---|---|
| Date | Sep 20, 2023 |
| Instrument | 20233003 |
| Name | PROFED FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 15, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WELLS IN |
| Property Address | 2450 E TERRACE DR, BLUFFTON, IN 46714-9239 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000142/28 |
|---|---|
| Date | Jun 22, 2017 |
| Book Page | 142/28 |
| Instrument | 000959360009 |
| Name | FIRST BANK BERNIE |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Jul 1, 2020 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WELLS IN |
| Property Address | 2450 E TERRACE DR, BLUFFTON, IN 46714-9239 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0003121833 |
|---|---|
| Date | Mar 12, 2018 |
| Instrument | 03121833 |
| Name | FIRST BANK BERNIE |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 6, 2033 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WELLS IN |
| Property Address | 2450 E TERRACE DR, BLUFFTON, IN 46714-9239 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0020211168 |
|---|---|
| Date | Mar 15, 2021 |
| Instrument | 20211168 |
| Name | RUOFF MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 1, 2041 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WELLS IN |
| Property Address | 2450 E TERRACE DR, BLUFFTON, IN 46714-9239 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0020190933 |
|---|---|
| Date | Mar 29, 2019 |
| Instrument | 20190933 |
| Name | FIRST BANK BERNIE |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 1, 2034 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WELLS IN |
| Property Address | 2450 E TERRACE DR, BLUFFTON, IN 46714-9239 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0020213962 |
|---|---|
| Date | Sep 1, 2021 |
| Instrument | 20213962 |
| Name | PROFED FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 25, 2041 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WELLS IN |
| Property Address | 2450 E TERRACE DR, BLUFFTON, IN 46714-9239 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0020222269 |
|---|---|
| Date | May 19, 2022 |
| Instrument | 20222269 |
| Name | PROFED FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 6, 2042 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WELLS IN |
| Recording Date | Mar 3, 2020 |
| Property Address | 2450 E TERRACE DR, BLUFFTON, IN 46714-9239 |
| Document Number | 0020200889 |
| Instrument Date | Feb 28, 2020 |
| Instrument | 20200889 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2023 |
| Title Company | METROPOLITAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2450 E TERRACE DR, BLUFFTON, IN 46714-9239 |
| Document Number | 0020200890 |
|---|---|
| Date | Mar 3, 2020 |
| Instrument | 20200890 |
| Name | RUOFF MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2050 |
| Rate Type | Fixed Rate |
|---|
Source: Wells County assessment roll, as of June 26, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Wells County |
| County Subdivision | Lancaster Township |
| Unified School District | Northern Wells Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,299.00 (-1.54%) Homeowner's exemption | $320,400 (+2.14%) Land $81,600 Building $238,800 | $320,400 (+2.14%) Land $81,600 Building $238,800 |
| 2024 | $2,335.00 (+21.61%) | ||
| 2023 | $313,700 (+5.66%) Land $81,600 Building $232,100 | $313,700 (+5.66%) Land $81,600 Building $232,100 | |
| 2022 | $1,920.00 | $296,900 Land $39,600 Building $257,300 | $296,900 Land $39,600 Building $257,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 5 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 73% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 19 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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