537 S Main St, Bluffton, OH 45817 Property Records

Allen County property record for 537 S Main St, Bluffton, OH 45817

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,496 sqft · built 1926
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (Feb 2017)
Tax Bill	$3,255 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-1206-07-014.000`

Property Details

APN / Parcel Number

Primary APN	`28-1206-07-014.000`
Alternative APN	`A0228120607014000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,496 sqft Living Area
Gross Area	3,908 sqft
1st Floor Area	1,304 sqft
Upper Floors Area	1,192 sqft
Basement Area	1,192 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1970
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	14,985 sqft (0.344 acres)
Lot Dimensions	250 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	452 sqft
Deck Area	224 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	537 S MAIN ST
City	BLUFFTON
State	OH
Zip	45817-1045
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GARAUS ADDITION LOT 596 JOINT TEN FF 60.00
Legal Subdivision	GARAUS ADDITION
Legal Lot Number	596
Jurisdiction	ALLEN OH
Township / Civil Division	RICHLAND
Census Block Group	1
Census Block	1036
Census Tract	10100

Owner

537 S Main St is owned and occupied by two individuals who bought it in February 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	537 S MAIN ST, BLUFFTON, OH 45817-1045
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
Nov 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NAT'L BK/BLUFFTON
Feb 21, 2017	Grant Deed, Transfer · Conventional Mortgage CITIZENS NAT'L BK/BLUFFTON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2017 · Amount on File
Deed Sale	Feb 21, 2017 · Amount on File
Prior Sale	Sep 1, 1977 · Amount on File
Deed Document Number	20171774
Deed Book / Page	2017 / 1774
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	537 S MAIN ST, BLUFFTON, OH 45817-1045
Document Number	0000014874
Instrument Date	Nov 25, 2020
Transaction Type	Mortgage
Record Updated	Dec 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	537 S MAIN ST BLUFFTON OH 458171045, BLUFFTON, OH 45817-1045

Mortgage

Document Number	0000014874
Date	Dec 1, 2020
Instrument	14874

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 30, 2035

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEN OH
Recording Date	Feb 21, 2017
Property Address	537 S MAIN ST, BLUFFTON, OH 45817-1045
Document Number	0000001774
Book / Page	002017 / 001774
Instrument Date	Feb 15, 2017
Instrument	1774
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$615.00
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	537 S MAIN ST BLUFFTON OH 458171045, BLUFFTON, OH 45817-1045

Mortgage

Document Number	2210001775
Date	Feb 21, 2017
Instrument	2210001775

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 20, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 537 S Main St was $3,255, down 0.1% from the year before.

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	$3,255.00 (-0.09%)	$98,670 (-) Land $10,890 Building $87,780	$281,900 (-) Land $31,100 Building $250,800
2024	$3,258.00 (+11.31%) Homeowner's exemption	$98,670 (+20.01%) Land $10,890 Building $87,780	$281,900 Land $31,100 Building $250,800
2023	$2,927.00 (-1.08%) Homeowner's exemption	$82,220 (-) Land $9,070 Building $73,150
2022	$2,959.00 Homeowner's exemption	$82,220 Land $9,070 Building $73,150
2021			$234,900 Land $25,900 Building $209,000

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

FEMA maps place 537 S Main St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2007.

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	6 in force
Nearby Flood Claims	3 (2007–2011)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Feb 2011 · river or lake flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 2 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 537 S Main 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 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 145 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
MetaLINK Technologies Fixed Wireless	200 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Buckeye Wireless.

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