Wells County property record for 46 Westgate Rd, Bluffton, IN 46714
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 854 sqft · built 1970 |
| Lot Size | 0.225 acres (9,801 sqft) |
| Owner | Individual Name on File |
| Last Sale | $132,500 (May 2022) |
| Tax Bill | $914 (2025) |
| Deeds & Mortgages | Feb 2017 Mortgage Dec 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 90-08-05-509-072.000-004 |
| Primary APN | 90-08-05-509-072.000-004 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 854 sqft Living Area |
| 1st Floor Area | 854 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1990 |
| Construction Type | Wood |
| Roof Material | Asphalt |
| Lot Area | 9,801 sqft (0.225 acres) |
| Lot Dimensions | 140 ft deep x 70 ft wide |
| Garage Type | Attached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 00001535645 |
|---|---|
| Street Address | 46 WESTGATE RD |
| City | BLUFFTON |
| State | IN |
| Zip | 46714-1528 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HI LO # 2 72-26-12 |
| Legal Subdivision | HIL O ADD NO 2 |
| Jurisdiction | WELLS IN |
| Township / Civil Division | HARRISON |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 40600 |
46 Westgate Rd is owned and occupied by an individual who bought it in May 2022.
Source: Wells County records, as of June 26, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 46 WESTGATE RD, BLUFFTON, IN 46714-1528 |
| 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.
| Date | Document |
|---|---|
| Feb 3, 2017 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE SERVICES |
| Dec 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MIDWEST AMERICA FCU |
| May 4, 2022 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE CO INC |
| Feb 3, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Feb 3, 2017 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 4, 2022 · Amount on File |
| Deed Sale | May 4, 2022 · Amount on File |
| Prior Sale | Feb 3, 2017 · Amount on File |
| Deed Document Number | 20221996 |
| Prior Transfer Date | Jan 13, 2017 |
| Prior Transfer Doc | 0000157/11 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WELLS IN |
| Property Address | 46 WESTGATE RD, BLUFFTON, IN 46714-1528 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 000141/620 |
|---|---|
| Date | Feb 3, 2017 |
| Book Page | 141/620 |
| Instrument | 000941250015 |
| Name | AMERICAN MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2047 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WELLS IN |
| Property Address | 46 WESTGATE RD, BLUFFTON, IN 46714-1528 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0020205555 |
|---|---|
| Date | Dec 11, 2020 |
| Instrument | 20205555 |
| Name | MIDWEST AMERICA FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Dec 1, 2030 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WELLS IN |
| Recording Date | May 4, 2022 |
| Property Address | 46 WESTGATE RD, BLUFFTON, IN 46714-1528 |
| Document Number | 0020221996 |
| Map Reference | PB 3 PG 208 |
| Instrument Date | May 2, 2022 |
| Instrument | 20221996 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | IN |
| Name | Verified Name |
|---|---|
| Address | 46 WESTGATE RD, BLUFFTON, IN 46714-1528 |
| Document Number | 0020221997 |
|---|---|
| Date | May 4, 2022 |
| Instrument | 20221997 |
| Name | RUOFF MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WELLS IN |
| Recording Date | Feb 3, 2017 |
| Property Address | 46 WESTGATE RD, BLUFFTON, IN 46714-1528 |
| Document Number | 0000157/12 |
| Book / Page | 157 / 12 |
| Map Reference | PB 3 PG 208 |
| Instrument Date | Jan 20, 2017 |
| Instrument | 000941240002 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 46 WESTGATE RD, BLUFFTON, IN 46714-1528 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WELLS IN |
| Recording Date | Feb 3, 2017 |
| Property Address | 46 WESTGATE RD, BLUFFTON, IN 46714-1528 |
| Document Number | 0000157/11 |
| Book / Page | 157 / 11 |
| Map Reference | PB 3 PG 208 |
| Instrument Date | Jan 13, 2017 |
| Instrument | 000941230003 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 46 WESTGATE RD, BLUFFTON, IN 46714-1528 |
The 2025 property tax bill for 46 Westgate Rd was $914 with a homeowner's exemption, up 13.7% from the year before.
Source: Wells County assessment roll, as of June 26, 2026
| Type | Name |
|---|---|
| State | Indiana |
| Municipality | Bluffton City |
| County | Wells County |
| County Subdivision | Harrison Township |
| Unified School District | Bluffton-Harrison Metropolitan School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $914.00 (+13.68%) Homeowner's exemption | $133,000 Land $41,800 Building $91,200 | $133,000 Land $41,800 Building $91,200 |
| 2024 | $804.00 | ||
| 2023 | $106,700 (+18.03%) Land $26,500 Building $80,200 | $106,700 (+18.03%) Land $26,500 Building $80,200 | |
| 2022 | $397.00 | $90,400 Land $15,900 Building $74,500 | $90,400 Land $15,900 Building $74,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46 Westgate Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 30, 2016
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 46 Westgate Rd 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 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 337 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 | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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