438 N Main St, Bluffton, OH 45817 Property Records

Allen County property record for 438 N Main St, Bluffton, OH 45817

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,536 sqft · built 1920
Lot Size	0.174 acres (7,579 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Aug 2021)
Tax Bill	$1,838 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Feb 2020 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`28-0109-09-003.000`

Property Details

APN / Parcel Number

Primary APN	`28-0109-09-003.000`
Alternative APN	`A0228010909003000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,536 sqft Living Area
Gross Area	2,837 sqft
1st Floor Area	1,088 sqft
Upper Floors Area	403 sqft
Basement Area	560 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2001
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	7,579 sqft (0.174 acres)
Lot Dimensions	140 ft deep x 54 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Frame Porch
Porch Area	494 sqft
Patio Area	162 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Storm Sewer
Water Source	Commercial

Location & Zoning

Street Address	438 N MAIN ST
City	BLUFFTON
State	OH
Zip	45817-1232
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP OF BLUFFTON EXTENSION LOT 37 NE PT FF 17.00
Legal Subdivision	MAP OF BLUFFTON EXTENSION
Legal Lot Number	37
Jurisdiction	ALLEN OH
Township / Civil Division	RICHLAND
Census Block Group	2
Census Block	2045
Census Tract	10100

Owner

438 N Main St is owned and occupied by an individual who bought it in August 2021.

Source: Allen County records, as of May 21, 2026

Owner of Record	Individual Name on File
Mailing Address	438 N MAIN ST, BLUFFTON, OH 45817-1232
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 2, 2021	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Feb 14, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 14, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 14, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 14, 2020	Affidavit of Death, Transfer ATTORNEY ONLY
May 16, 2019	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2021 · Amount on File
Deed Sale	Aug 2, 2021 · Amount on File
Prior Sale	Jun 13, 1997 · Amount on File
Deed Document Number	202110638
Deed Book / Page	2021 / 10638
Prior Transfer Date	Feb 13, 2020
Prior Transfer Doc	2140001687
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Aug 2, 2021
Property Address	438 N MAIN ST, BLUFFTON, OH 45817-1232
Document Number	8020010638
Book / Page	2021 / 10638
Map Reference	MB 3 PG 5
Instrument Date	Jul 30, 2021
Instrument	202108020010638
Transaction Type	Transfer
Record Updated	Aug 11, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 N MAIN ST, BLUFFTON, OH 45817-1232

Mortgage

Document Number	8020010639
Date	Aug 2, 2021
Instrument	202108020010639

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

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

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALLEN OH
Recording Date	Feb 14, 2020
Property Address	438 N MAIN ST, BLUFFTON, OH 45817-1232
Document Number	0000001689
Instrument Date	Feb 13, 2020
Instrument	1689
Transaction Type	Transfer
Record Updated	Feb 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 N MAIN ST BLUFFTON OH 458171232, BLUFFTON, OH 45817-1232

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALLEN OH
Recording Date	Feb 14, 2020
Property Address	438 N MAIN ST, BLUFFTON, OH 45817-1232
Document Number	0000001688
Instrument Date	Feb 13, 2020
Instrument	1688
Transaction Type	Transfer
Record Updated	Feb 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 N MAIN ST BLUFFTON OH 458171232, BLUFFTON, OH 45817-1232

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALLEN OH
Recording Date	Feb 14, 2020
Property Address	438 N MAIN ST, BLUFFTON, OH 45817-1232
Document Number	0000001690
Instrument Date	Feb 13, 2020
Instrument	1690
Transaction Type	Transfer
Record Updated	Feb 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 N MAIN ST BLUFFTON OH 458171232, BLUFFTON, OH 45817-1232

February 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ALLEN OH
Recording Date	Feb 14, 2020
Property Address	438 N MAIN ST, BLUFFTON, OH 45817-1232
Document Number	0000001687
Instrument Date	Feb 13, 2020
Instrument	1687
Transaction Type	Transfer
Record Updated	Feb 28, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 CHESTNUT DR CLARKSVILLE TN 370426409, CLARKSVILLE, TN 37042-6409

May 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ALLEN OH
Recording Date	May 16, 2019
Property Address	438 N MAIN ST, BLUFFTON, OH 45817-1232
Document Number	0000004680
Instrument Date	May 8, 2019
Instrument	4680
Transaction Type	Transfer
Record Updated	May 29, 2019
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 S MAIN ST BLUFFTON OH 458171046, BLUFFTON, OH 45817-1046

Tax Assessment & Valuation

The 2025 property tax bill for 438 N Main St was $1,838, up 12.3% from the year before.

Source: Allen County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Allen County
County Subdivision	Richland Township
Municipality	Bluffton Village
Unified School District	Bluffton Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,838.00 (+12.35%)	$55,690 (+12.35%) Land $8,440 Building $47,250	$159,100 (+12.36%) Land $24,100 Building $135,000
2024	$1,636.00 (+71.31%) Homeowner's exemption	$49,570 (+85.31%) Land $8,440 Building $41,130	$141,600 Land $24,100 Building $117,500
2023	$955.00 (-30.09%) Homeowner's exemption	$26,750 (-29.57%) Land $7,040 Building $19,710
2022	$1,366.00 Homeowner's exemption	$37,980 Land $7,040 Building $30,940
2021			$76,400 Land $20,100 Building $56,300

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.

Flood

FEMA maps place 438 N Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	17 (1979–2019)
Claims Outside the SFHA	5 of 17
Most Recent Claim	Apr 2019 · river or lake flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 7 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 438 N Main 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 166 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
MetaLINK Technologies Fixed Wireless	500 / 100
Watch TV Fixed Wireless · Fiber in parts of the area	400 / 40
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: HDER Link.

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