404 W Spring St, Bluffton, IN 46714 Property Records

Wells County property record for 404 W Spring St, Bluffton, IN 46714

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,724 sqft · built 1963
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$221,977 (Jul 2025)
Tax Bill	$1,564 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Apr 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`90-08-09-200-001.000-004`

Property Details

APN / Parcel Number

Primary APN	`90-08-09-200-001.000-004`
Alternative APNs	`00001537105` `0100653101`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,724 sqft Living Area
1st Floor Area	1,724 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 2000
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	21,780 sqft (0.5 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	Hot Water
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001537105
Street Address	404 W SPRING ST
City	BLUFFTON
State	IN
Zip	46714-3531
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0.0403A/0.097A OAK PARK PT SE SW S OF LOT 68 CONTAINING IN ALL 0.50A (9-B/4-0)
Legal Lot Number	68
Jurisdiction	WELLS IN
Township / Civil Division	HARRISON
Census Block Group	4
Census Block	4030
Census Tract	40600

Owner

404 W Spring St is owned and occupied by two individuals who bought it in July 2025.

Source: Wells County records, as of June 26, 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	404 W SPRING ST, BLUFFTON, IN 46714-3531
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2025	Warranty Deed, Transfer · VA Mortgage RUOFF MORTGAGE CO INC
Apr 28, 2023	Transfer on Death Deed, Transfer
Sep 6, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2025 · Amount on File
Deed Sale	Jul 17, 2025 · Amount on File
Prior Sale	Apr 29, 2011 · Amount on File
Deed Document Number	20252263
Prior Transfer Date	Apr 12, 2023
Prior Transfer Doc	0020231290
Record Updated	Sep 20, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WELLS IN
Recording Date	Jul 17, 2025
Property Address	404 W SPRING ST, BLUFFTON, IN 46714-3531
Document Number	0020252263
Instrument Date	Jul 11, 2025
Instrument	20252263
Transaction Type	Transfer
Record Updated	Oct 6, 2025
Title Company	METROPOLITAN TITLE CORPORATION, METROPOLITAN TITLE OF INDIAN

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 W SPRING ST, BLUFFTON, IN 46714-3531

Mortgage

Document Number	0020252264
Date	Jul 17, 2025
Instrument	20252264

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

April 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	WELLS IN
Recording Date	Apr 28, 2023
Property Address	404 W SPRING ST, BLUFFTON, IN 46714-3531
Document Number	0020231290
Instrument Date	Apr 12, 2023
Instrument	20231290
Transaction Type	Transfer
Record Updated	Oct 6, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	404 W SPRING ST, BLUFFTON, IN 46714-3531

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WELLS IN
Recording Date	Sep 6, 2019
Property Address	404 W SPRING ST, BLUFFTON, IN 46714-3531
Document Number	0020193049
Instrument Date	Aug 30, 2019
Instrument	20193049
Transaction Type	Transfer
Record Updated	Oct 6, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 404 W Spring St was $1,564, down 59.7% from the year before.

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	$1,564.00 (-59.67%)	$198,400 (-7.72%) Land $33,400 Building $165,000	$198,400 (-7.72%) Land $33,400 Building $165,000
2024	$3,878.00	$215,000 (-2.18%) Land $33,400 Building $181,600	$215,000 (-2.18%) Land $33,400 Building $181,600
2023		$219,800 (+23%) Land $29,300 Building $190,500	$219,800 (+23%) Land $29,300 Building $190,500
2022	$1,305.00	$178,700 Land $25,600 Building $153,100	$178,700 Land $25,600 Building $153,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 404 W Spring St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 30, 2016

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 404 W Spring St 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 78% 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 230 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 · Fiber in parts of the area	1,000 / 50

May also be available: Verizon.

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