4728 E 650 S, Bluffton, IN 46714 Property Records

Wells County property record for 4728 E 650 S, Bluffton, IN 46714

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,098 sqft · built 1940
Lot Size	3.25 acres (141,570 sqft)
Owner	Individual Name on Record
Tax Bill	$1,931 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Mar 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`90-12-02-400-001.000-015`

Property Details

APN / Parcel Number

Primary APN	`90-12-02-400-001.000-015`
Alternative APNs	`00001595337` `0070492000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,098 sqft Living Area
1st Floor Area	2,098 sqft
Basement Area	442 sqft
Unfinished Basement	442 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1990
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	141,570 sqft (3.25 acres)
Garage Type	Attached
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Solar

Location & Zoning

Account Number	00001595337
Street Address	4728 E 650 S
City	BLUFFTON
State	IN
Zip	46714-9631
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	02-25-12 3.25A PT NW SE N OF CRK
Jurisdiction	WELLS IN
Township / Civil Division	NOTTINGHAM
Census Block Group	5
Census Block	5010
Census Tract	40700

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	4728 E 650 S, BLUFFTON, IN 46714-9631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2024	Deed of Trust, Mortgage · Line of Credit FIRST MERCHANTS BANK NA
Mar 15, 2024	Deed of Trust, Mortgage · Line of Credit FIRST MERCHANTS BANK NA
Aug 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE CO INC
Dec 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLS IN
Property Address	4728 E 650 S, BLUFFTON, IN 46714-9631
Transaction Type	Mortgage
Record Updated	Apr 3, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020240938
Date	Mar 21, 2024
Instrument	20240938

Lender

Name	FIRST MERCHANTS BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Mar 26, 2039

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLS IN
Property Address	4728 E 650 S, BLUFFTON, IN 46714-9631
Transaction Type	Mortgage
Record Updated	Apr 3, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020240874
Date	Mar 15, 2024
Instrument	20240874

Lender

Name	FIRST MERCHANTS BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Mar 26, 2039

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLS IN
Property Address	4728 E 650 S, BLUFFTON, IN 46714-9631
Transaction Type	Mortgage
Record Updated	Aug 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20213514
Date	Aug 3, 2021
Instrument	20213514

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

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLS IN
Property Address	4728 E 650 S, BLUFFTON, IN 46714-9631
Transaction Type	Mortgage
Record Updated	Dec 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20194347
Date	Dec 9, 2019
Instrument	20194347

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Wells County assessment roll, as of June 26, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Wells County
County Subdivision	Nottingham Township
Unified School District	Southern Wells Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,931.00 (+22.6%) Homeowner's exemption	$325,800 (+17.41%) Land $65,500 Building $260,300	$325,800 (+17.41%) Land $65,500 Building $260,300
2024	$1,575.00 (+42.28%)
2023		$277,500 (+16.6%) Land $65,500 Building $212,000	$277,500 (+16.6%) Land $65,500 Building $212,000
2022	$1,107.00	$238,000 Land $46,000 Building $192,000	$238,000 Land $46,000 Building $192,000

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
Nearby Flood Claims	3 (2014–2015)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jun 2015 · rainfall accumulation

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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
Watch TV Fixed Wireless	100 / 20
Verizon Fixed Wireless	25 / 6

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