442 Cherry St, Bluffton, OH 45817 Property Records

Allen County property record for 442 Cherry St, Bluffton, OH 45817

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,288 sqft · built 1920
Lot Size	0.298 acres (12,981 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Jul 2025)
Tax Bill	$2,185 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-1205-08-003.000`

Property Details

APN / Parcel Number

Primary APN	`28-1205-08-003.000`
Alternative APN	`A0228120508003000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,288 sqft Living Area
Gross Area	3,134 sqft
1st Floor Area	1,470 sqft
Upper Floors Area	818 sqft
Basement Area	846 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	12,981 sqft (0.298 acres)
Lot Dimensions	216 ft deep x 60 ft wide

Exterior Amenities

Porch	Open Frame Porch
Porch Area	544 sqft
Deck Area	360 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	442 CHERRY ST
City	BLUFFTON
State	OH
Zip	45817-1315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EWINGS ADDITION LOT 463 & VAC ALLEY JOINT TEN FF 60.00
Legal Subdivision	EWINGS ADDITION
Legal Lot Number	463
Jurisdiction	ALLEN OH
Township / Civil Division	RICHLAND
Census Block Group	3
Census Block	3016
Census Tract	10100

Owner

Source: Allen County records, as of August 18, 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 Record
Mailing Address	442 CHERRY ST, BLUFFTON, OH 45817-1315
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2025	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Dec 26, 2019	Warranty Deed, Transfer · Conventional Mortgage STATE BK&TR
Aug 29, 2019	Deed of Trust, Mortgage CITIZENS NAT'L BK/BLUFFTON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2025 · Amount on Record
Deed Sale	Jul 8, 2025 · Amount on Record
Prior Sale	Dec 26, 2019 · Amount on Record
Deed Document Number	20256318
Record Updated	Sep 20, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Jul 8, 2025
Property Address	442 CHERRY ST, BLUFFTON, OH 45817-1315
Document Number	7080006318
Book / Page	2025 / 6318
Map Reference	MB 4 PG 51
Instrument Date	Jun 27, 2025
Instrument	202507080006318
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants with Right of Survivorship
Address	442 CHERRY ST, BLUFFTON, OH 45817-1315

Mortgage

Document Number	7080006319
Date	Jul 8, 2025
Instrument	202507080006319

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2055

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Dec 26, 2019
Property Address	442 CHERRY ST, BLUFFTON, OH 45817-1315
Document Number	0000013768
Instrument Date	Dec 21, 2019
Instrument	13768
Transaction Type	Transfer
Record Updated	Jan 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$411.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 CHERRY ST BLUFFTON OH 458171315, BLUFFTON, OH 45817-1315

Mortgage

Document Number	13769
Date	Dec 26, 2019
Instrument	13769

Lender

Name	STATE BK&TR
Type	Bank
Address	DEFIANCE, OH 43512

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 25, 2049

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	442 CHERRY ST, BLUFFTON, OH 45817-1315
Document Number	0000009188
Instrument Date	Aug 29, 2019
Transaction Type	Mortgage
Record Updated	Nov 27, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 CHERRY ST BLUFFTON OH 458171315, BLUFFTON, OH 45817-1315

Mortgage

Document Number	0000009188
Date	Sep 4, 2019
Instrument	9188

Lender

Name	CITIZENS NAT'L BK/BLUFFTON
Type	Bank
Address	BLUFFTON, OH 45817

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 3, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.12%

Tax Assessment & Valuation

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	$2,185.00 (-0.05%)	$66,190 (-) Land $11,410 Building $54,780	$189,100 (-) Land $32,600 Building $156,500
2024	$2,186.00 (+29.66%) Homeowner's exemption	$66,190 (+39.97%) Land $11,410 Building $54,780	$189,100 (+39.97%) Land $32,600 Building $156,500
2023	$1,686.00 (-1%) Homeowner's exemption	$47,290 (-) Land $8,160 Building $39,130
2022	$1,703.00 Homeowner's exemption	$47,290 Land $8,160 Building $39,130
2021			$135,100 Land $23,300 Building $111,800

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

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	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 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 90% of Ohio
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 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 193 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
MetaLINK Technologies Fixed Wireless	500 / 100
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Brightspeed, HDER Link.

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