446 W Elm St, Bluffton, OH 45817 Property Records

Allen County property record for 446 W Elm St, Bluffton, OH 45817

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,938 sqft · built 1920
Lot Size	0.7 acres (30,492 sqft)
Owner	2 Individual Names on File
Last Sale	$85,000 (Aug 2019)
Tax Bill	$2,474 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-0107-03-038.000`

Property Details

APN / Parcel Number

Primary APN	`28-0107-03-038.000`
Alternative APN	`A0228010703038000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,938 sqft Living Area
Gross Area	4,146 sqft
1st Floor Area	1,720 sqft
Upper Floors Area	218 sqft
Basement Area	1,188 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	30,492 sqft (0.7 acres)
Lot Dimensions	350 ft deep x 87 ft wide
Garage Type	Attached
Garage Area	1,020 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Frame Porch
Porch Area	182 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	446 W ELM ST
City	BLUFFTON
State	OH
Zip	45817-1122
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NW1/4 JOINT TEN RTS 08-02-01
Jurisdiction	ALLEN OH
Township / Civil Division	RICHLAND
Census Block Group	2
Census Block	2020
Census Tract	10100

Owner

446 W Elm St is owned and occupied by two individuals who bought it in August 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	446 W ELM ST, BLUFFTON, OH 45817-1122
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
Jan 27, 2021	Deed of Trust, Mortgage · ARM SUPERIOR CU INC
Aug 13, 2019	Grant Deed, Transfer · Conventional Mortgage SUPERIOR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2019 · Amount on File
Deed Sale	Aug 13, 2019 · Amount on File
Prior Sale	Aug 1, 1981 · Amount on File
Deed Document Number	20198274
Deed Book / Page	2019 / 8274
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	446 W ELM ST, BLUFFTON, OH 45817-1122
Transaction Type	Mortgage
Record Updated	Feb 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1270001249
Date	Jan 27, 2021
Book Page	2021/1249
Instrument	202101270001249

Lender

Name	SUPERIOR CU INC
Type	Credit Union
Address	LIMA, OH 45807

Agreement

Type	ARM
Amount	Amount on Record
Term	294 Months
Due	Jul 1, 2045

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Jul 1, 2023
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5%
Index	1-Year CMT
Max Rate	9%

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEN OH
Recording Date	Aug 13, 2019
Property Address	446 W ELM ST, BLUFFTON, OH 45817-1122
Document Number	0000008274
Instrument Date	Aug 13, 2019
Instrument	8274
Transaction Type	Transfer
Record Updated	Aug 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	446 W ELM ST BLUFFTON OH 458171122, BLUFFTON, OH 45817-1122

Mortgage

Document Number	8275
Date	Aug 13, 2019
Instrument	8275

Lender

Name	SUPERIOR CU
Type	Credit Union
Address	LIMA, OH 45807

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 12, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 446 W Elm St was $2,474.

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	$2,474.00 (-0.04%)	$66,580 (-) Land $16,000 Building $50,580	$190,200 (-) Land $45,700 Building $144,500
2024	$2,475.00 (+9.85%) Homeowner's exemption	$66,580 (+20.01%) Land $16,000 Building $50,580	$190,200 Land $45,700 Building $144,500
2023	$2,253.00 (-0.92%) Homeowner's exemption	$55,480 (-) Land $13,340 Building $42,140
2022	$2,274.00 Homeowner's exemption	$55,480 Land $13,340 Building $42,140
2021			$158,500 Land $38,100 Building $120,400

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

Flood

FEMA maps place 446 W Elm St in Zone X, an area of minimal flood risk, though there have been 17 flood claims nearby since 1979.

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	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

Wildfire risk around 446 W Elm St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 81% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 240 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
Watch TV Fiber · Fixed Wireless	1,000 / 500
MetaLINK Technologies Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Buckeye Wireless.

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