421 E South St, Bluffton, IN 46714 Property Records

Wells County property record for 421 E South St, Bluffton, IN 46714

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,870 sqft · built 1903
Lot Size	0.103 acres (4,487 sqft)
Owner	Individual Name on Record
Last Sale	$63,900 (Jan 2017)
Tax Bill	$764 (2025)
Deeds & Mortgages	Apr 2025 Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`90-08-04-539-144.000-004`

Property Details

APN / Parcel Number

Primary APN	`90-08-04-539-144.000-004`
Alternative APNs	`00001542660` `0100744100`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,870 sqft Living Area
1st Floor Area	1,126 sqft
Attic	Attic
Attic Area	1,488 sqft
Basement Area	588 sqft
Unfinished Basement	588 sqft

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1975
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Metal
Lot Area	4,487 sqft (0.103 acres)
Lot Dimensions	140 ft deep x 32 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001542660
Street Address	421 E SOUTH ST
City	BLUFFTON
State	IN
Zip	46714-2633
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIGINAL PLAT LOT 168 E 32' (4-H)
Legal Subdivision	CITY BLUFFTON
Legal Lot Number	168
Jurisdiction	WELLS IN
Township / Civil Division	HARRISON
Census Block Group	1
Census Block	1027
Census Tract	40500

Owner

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	421 E SOUTH ST, BLUFFTON, IN 46714-2633
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2025	Deed of Trust, Mortgage · USDA Mortgage USDA
Jul 12, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage RUOFF MORTGAGE CO INC
Jan 4, 2017	Deed, Transfer · Conventional Mortgage MICHIGAN MUTUAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2017 · Amount on Record
Deed Sale	Jan 3, 2017 · Amount on Record
Prior Sale	Feb 14, 2007 · Amount on Record
Deed Document Number	20171313974
Last Transfer Date	Jul 8, 2021
Transfer Doc	0020213096
Record Updated	Sep 20, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLS IN
Property Address	421 E SOUTH ST, BLUFFTON, IN 46714-2633
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020251072
Date	Apr 8, 2025
Instrument	20251072

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	312 Months
Due	Aug 1, 2051

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WELLS IN
Recording Date	Jul 12, 2021
Property Address	421 E SOUTH ST, BLUFFTON, IN 46714-2633
Document Number	0020213096
Instrument Date	Jul 8, 2021
Instrument	20213096
Transaction Type	Transfer
Record Updated	Jun 12, 2023
Title Company	METROPOLITAN TITLE LLC

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
Address	421 E SOUTH ST, BLUFFTON, IN 46714-2633

Mortgage

Document Number	0020213097
Date	Jul 12, 2021
Instrument	20213097

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

January 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	WELLS IN
Recording Date	Jan 4, 2017
Property Address	421 E SOUTH ST, BLUFFTON, IN 46714-2633
Document Number	000156/924
Book / Page	156 / 924
Instrument Date	Jan 3, 2017
Instrument	000938200002
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount Recorded
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	421 E SOUTH ST, BLUFFTON, IN 46714-2633

Mortgage

Document Number	000141/540
Date	Jan 4, 2017
Book Page	141/540
Instrument	000938210019

Lender

Name	MICHIGAN MUTUAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$764.00 (+19.56%) Homeowner's exemption	$121,500 (+22.73%) Land $12,200 Building $109,300	$121,500 (+22.73%) Land $12,200 Building $109,300
2024	$639.00 (+60.15%)
2023		$99,000 (+8.91%) Land $12,200 Building $86,800	$99,000 (+8.91%) Land $12,200 Building $86,800
2022	$399.00	$90,900 Land $7,300 Building $83,600	$90,900 Land $7,300 Building $83,600

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

Flood

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	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

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

Wildfire Risk	Low lower than 98% of the US · lower than 85% 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 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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