Allen County property record for 408 Cherry St, Bluffton, OH 45817
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,800 sqft · built 1920 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $216,000 (Jun 2018) |
| Tax Bill | $3,461 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Aug 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-1208-04-002.001 |
| Primary APN | 28-1208-04-002.001 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,800 sqft Living Area |
| Gross Area | 3,076 sqft |
| 1st Floor Area | 1,132 sqft |
| Upper Floors Area | 668 sqft |
| Basement Area | 506 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 21,780 sqft (0.5 acres) |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Frame Porch |
|---|---|
| Porch Area | 206 sqft |
| Shed | 1 Shed |
| Shed Area | 288 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 408 CHERRY ST |
|---|---|
| City | BLUFFTON |
| State | OH |
| Zip | 45817-1315 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT NE1/4 JOINT TEN RTS 08-02-12 |
| Jurisdiction | ALLEN OH |
| Township / Civil Division | RICHLAND |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 10100 |
Source: Allen County assessment roll, 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 File |
|---|---|
| Mailing Address | 408 CHERRY ST, BLUFFTON, OH 45817-1315 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 6, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK |
| Aug 15, 2023 | Deed of Trust, Mortgage · Line of Credit THE FIRST NATIONAL BANK OF PANDORA |
| Jun 14, 2018 | Grant Deed, Transfer · Line of Credit FIRST NAT'L BK/PANDORA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 14, 2018 · Amount on Record |
| Deed Sale | Jun 14, 2018 · Amount on Record |
| Prior Sale | Sep 3, 2008 · Amount on Record |
| Deed Document Number | 20186829 |
| Deed Book / Page | 2018 / 6829 |
| Prior Transfer Date | Oct 28, 2015 |
| Prior Transfer Doc | 10290011469 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEN OH |
| Recording Date | Jul 6, 2026 |
| Property Address | 408 CHERRY ST, BLUFFTON, OH 45817-1315 |
| Document Number | 0000007033 |
| Instrument Date | Jun 29, 2026 |
| Instrument | 20267033 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 408 CHERRY ST, BLUFFTON, OH 45817-1315 |
| Document Number | 0000007033, |
|---|---|
| Date | Jul 6, 2026 |
| Instrument | 20267033 |
| Name | FIRST NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.25% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEN OH |
| Property Address | 408 CHERRY ST, BLUFFTON, OH 45817-1315 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 8150007056 |
|---|---|
| Date | Aug 15, 2023 |
| Book Page | 2023/7056 |
| Instrument | 202308150007056 |
| Name | THE FIRST NATIONAL BANK OF PANDORA |
|---|---|
| Type | Bank |
| Address | PANDORA, OH 45877 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Sep 5, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ALLEN OH |
| Recording Date | Jun 14, 2018 |
| Property Address | 408 CHERRY ST, BLUFFTON, OH 45817-1315 |
| Document Number | 0000006829 |
| Instrument Date | Jun 12, 2018 |
| Instrument | 6829 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $648.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 408 CHERRY ST BLUFFTON OH 458171315, BLUFFTON, OH 45817-1315 |
| Document Number | 6830 |
|---|---|
| Date | Jun 14, 2018 |
| Instrument | 6830 |
| Name | FIRST NAT'L BK/PANDORA |
|---|---|
| Type | Bank |
| Address | PANDORA, OH 45877 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 13, 2048 |
| Rate Type | Adjustable Rate |
|---|
Source: Allen County assessment roll, as of May 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Allen County |
| County Subdivision | Richland Township |
| Municipality | Bluffton Village |
| Unified School District | Bluffton Exempted Village School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,461.00 (-0.06%) | $104,860 (-) Land $20,580 Building $84,280 | $299,600 (-) Land $58,800 Building $240,800 |
| 2024 | $3,463.00 (+29.8%) Homeowner's exemption | $104,860 (+4%) Land $20,580 Building $84,280 | $299,600 (+4%) Land $58,800 Building $240,800 |
| 2023 | $2,668.00 (-1.08%) Homeowner's exemption | $74,900 (-) Land $14,700 Building $60,200 | |
| 2022 | $2,697.00 Homeowner's exemption | $74,900 Land $14,700 Building $60,200 | |
| 2021 | $214,000 Land $42,000 Building $172,000 |
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.
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 | 7 in force |
| Nearby Flood Claims | 49 (1979–2020) |
| Claims Outside the SFHA | 3 of 49 |
| Most Recent Claim | May 2020 · river or lake flooding |
| Claims by Event |
|
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 | Not rated no burnable land within ember reach |
|---|
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 |
| 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.
Source: FCC Broadband Data Collection, based on 236 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 |
| Defiance Holdings Fixed Wireless | 500 / 100 |
| Benton Ridge Telephone Company Fixed Wireless · Fiber in parts of the area | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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