406 E Market St, Bluffton, IN 46714 Property Records

Wells County property record for 406 E Market St, Bluffton, IN 46714

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 820 sqft · built 1980
Lot Size	0.072 acres (3,136 sqft)
Owner	2 Individual Names on File
Last Sale	$127,680 (Jul 2025)
Tax Bill	$537 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Nov 2022 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`90-08-04-539-204.000-004`

Property Details

APN / Parcel Number

Primary APN	`90-08-04-539-204.000-004`
Alternative APNs	`00001542358` `0100803100`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	820 sqft Living Area
1st Floor Area	820 sqft
Basement Area	81 sqft
Unfinished Basement	81 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Metal
Lot Area	3,136 sqft (0.072 acres)
Lot Dimensions	95 ft deep x 33 ft wide
Terrain	Rolling
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001542358
Street Address	406 E MARKET ST
City	BLUFFTON
State	IN
Zip	46714-2118
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIGINAL PLAT LOT 65 E 33' (4-D)
Legal Subdivision	CITY OF BLUFFTON
Legal Lot Number	65
Jurisdiction	WELLS IN
Township / Civil Division	HARRISON
Census Block Group	1
Census Block	1005
Census Tract	40500

Owner

406 E Market St is owned and occupied by two individuals who bought it in July 2025.

Source: Wells County records, as of June 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	406 E MARKET ST, BLUFFTON, IN 46714-2118
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2025	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE CO INC
Nov 3, 2022	Intrafamily Transfer, Transfer · Line of Credit THREE RIVERS FCU
Dec 4, 2020	Warranty Deed, Transfer · Conventional Mortgage THREE RIVER FCU
Oct 9, 2018	Warranty Deed, Transfer · ARM FIRST BANK BERNIE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2025 · Amount on File
Deed Sale	Jul 14, 2025 · Amount on File
Prior Sale	Nov 3, 2022 · Amount on File
Deed Document Number	20252214
Prior Transfer Date	Oct 18, 2022
Prior Transfer Doc	0020224602
Record Updated	Sep 20, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WELLS IN
Recording Date	Jul 14, 2025
Property Address	406 E MARKET ST, BLUFFTON, IN 46714-2118
Document Number	0020252214
Instrument Date	Jul 11, 2025
Instrument	20252214
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
Relationship	Joint Tenants with Right of Survivorship
Address	406 E MARKET ST, BLUFFTON, IN 46714-2118

Mortgage

Document Number	0020252215
Date	Jul 14, 2025
Instrument	20252215

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

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

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WELLS IN
Recording Date	Nov 3, 2022
Property Address	406 E MARKET ST, BLUFFTON, IN 46714-2118
Document Number	0020224602
Instrument Date	Oct 18, 2022
Instrument	20224602
Transaction Type	Transfer
Record Updated	Oct 6, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 E MARKET ST, BLUFFTON, IN 46714-2118

Mortgage

Document Number	0020224603
Date	Nov 3, 2022
Instrument	20224603

Lender

Name	THREE RIVERS FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2037

Interest

Rate Type	Fixed Rate

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WELLS IN
Recording Date	Dec 4, 2020
Property Address	406 E MARKET ST, BLUFFTON, IN 46714-2118
Document Number	0020205415
Instrument Date	Nov 30, 2020
Instrument	20205415
Transaction Type	Transfer
Record Updated	Oct 6, 2025

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	406 E MARKET ST, BLUFFTON, IN 46714-2118

Mortgage

Document Number	0020205416
Date	Dec 4, 2020
Instrument	20205416

Lender

Name	THREE RIVER FCU

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WELLS IN
Recording Date	Oct 9, 2018
Property Address	406 E MARKET ST, BLUFFTON, IN 46714-2118
Document Number	0020183829
Instrument Date	Oct 4, 2018
Instrument	20183829
Transaction Type	Transfer
Record Updated	Oct 6, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 E MARKET ST, BLUFFTON, IN 46714-2118

Mortgage

Document Number	0020183830
Date	Oct 9, 2018
Instrument	20183830

Lender

Name	FIRST BANK BERNIE
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	240 Months
Due	Oct 4, 2038

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 4, 2023
Min Rate At Change	5%
Max Rate At Change	10%
Index	5-Year CMT

Tax Assessment & Valuation

The 2025 property tax bill for 406 E Market St was $537, down 66.2% 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	$537.00 (-66.16%)	$99,700 (+13.3%) Land $10,600 Building $89,100	$99,700 (+13.3%) Land $10,600 Building $89,100
2024	$1,587.00	$88,000 (+14.88%) Land $10,600 Building $77,400	$88,000 (+14.88%) Land $10,600 Building $77,400
2023		$76,600 (+9.59%) Land $10,600 Building $66,000	$76,600 (+9.59%) Land $10,600 Building $66,000
2022	$227.00	$69,900 Land $6,300 Building $63,600	$69,900 Land $6,300 Building $63,600

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

Flood

FEMA maps place 406 E Market St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	15 (1985–2015)
Claims Outside the SFHA	3 of 15
Most Recent Claim	Jun 2015 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jul 2003 · 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

The area around 406 E Market St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 139 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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