4778 E 400 S, Bluffton, IN 46714 Property Records

Wells County property record for 4778 E 400 S, Bluffton, IN 46714

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,190 sqft · built 1912
Lot Size	15.2 acres (663,419 sqft)
Owner	Individual Name on Record
Tax Bill	$2,806 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Jun 2022 Mortgage + 5 more
Flood Zone	Zone A (high risk)
APN	`90-08-26-500-013.000-003`

Property Details

APN / Parcel Number

Primary APN	`90-08-26-500-013.000-003`
Alternative APNs	`00001527804` `0020095801`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,190 sqft Living Area
1st Floor Area	2,190 sqft
Basement Area	180 sqft
Unfinished Basement	180 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1990
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	663,419 sqft (15.2 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	900 sqft
Parking Spaces	3 Parking Spaces
Pool Area	640 sqft
Lean-To	840 sqft

Utilities, Heating & Cooling

Heating System	Solar

Location & Zoning

Account Number	00001527804
Street Address	4778 E 400 S
City	BLUFFTON
State	IN
Zip	46714-9462
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	26-26-12 15.23A MID PT LOT 1 BRYANT-ROWE
Legal Lot Number	1
Jurisdiction	WELLS IN
Township / Civil Division	HARRISON
Census Block Group	3
Census Block	3014
Census Tract	40300

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	4778 E 400 S, BLUFFTON, IN 46714-9462
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2023	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK FSB
Jun 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL BANK FSB
Sep 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL BANK FSB
Aug 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL BANK FSB
Aug 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL BANK FSB
Jun 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL BANK FSB
Aug 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2006
Deed Sale	Dec 12, 2006
Deed Book / Page	145 / 494
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLS IN
Property Address	4778 E 400 S, BLUFFTON, IN 46714-9462
Transaction Type	Mortgage
Record Updated	Feb 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020230209
Date	Jan 19, 2023
Instrument	20230209

Lender

Name	FIRST FINANCIAL BANK FSB
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	312 Months
Due	Jan 10, 2048

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLS IN
Property Address	4778 E 400 S, BLUFFTON, IN 46714-9462
Transaction Type	Mortgage
Record Updated	Jun 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020222448
Date	Jun 1, 2022
Instrument	20222448

Lender

Name	FIRST FINANCIAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	May 10, 2047

Interest

Rate Type	Fixed Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLS IN
Property Address	4778 E 400 S, BLUFFTON, IN 46714-9462
Transaction Type	Mortgage
Record Updated	Oct 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20214330
Date	Sep 23, 2021
Instrument	20214330

Lender

Name	FIRST FINANCIAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Sep 10, 2046

Interest

Rate Type	Adjustable Rate

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLS IN
Property Address	4778 E 400 S, BLUFFTON, IN 46714-9462
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20183310
Date	Aug 31, 2018
Instrument	20183310

Lender

Name	FIRST FINANCIAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 5, 2038

Interest

Rate Type	Fixed Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLS IN
Property Address	4778 E 400 S, BLUFFTON, IN 46714-9462
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20192864
Date	Aug 26, 2019
Instrument	20192864

Lender

Name	FIRST FINANCIAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Aug 7, 2044

Interest

Rate Type	Adjustable Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLS IN
Property Address	4778 E 400 S, BLUFFTON, IN 46714-9462
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20191838
Date	Jun 10, 2019
Instrument	20191838

Lender

Name	FIRST FINANCIAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 1, 2029

Interest

Rate Type	Fixed Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLS IN
Property Address	4778 E 400 S, BLUFFTON, IN 46714-9462
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20192915
Date	Aug 28, 2019
Instrument	20192915

Lender

Name	FIRST FINANCIAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Aug 7, 2044

Interest

Rate Type	Adjustable 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	Harrison Township
Unified School District	Bluffton-Harrison Metropolitan School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,806.00 (-1.2%) Homeowner's exemption	$385,200 (+5.59%) Land $53,800 Building $331,400	$385,200 (+5.59%) Land $53,800 Building $331,400
2024	$2,840.00 (+10.68%)
2023		$364,800 (+6.92%) Land $98,200 Building $266,600	$364,800 (+6.92%) Land $98,200 Building $266,600
2022	$2,566.00	$341,200 Land $74,800 Building $266,400	$341,200 Land $74,800 Building $266,400

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2019 · 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	Low lower than 96% of the US · lower than 73% of Indiana
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
T-Mobile Fixed Wireless	25 / 3
Citizens Telephone Fixed Wireless	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

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