645 S Main St, Bluffton, OH 45817 Property Records

Allen County property record for 645 S Main St, Bluffton, OH 45817

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,612 sqft · built 2013
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,942 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-1108-02-003.001`

Property Details

APN / Parcel Number

Primary APN	`28-1108-02-003.001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,612 sqft Living Area
1st Floor Area	1,569 sqft
Upper Floors Area	1,043 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Lot Area	12,632 sqft (0.29 acres)
Lot Dimensions	157 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	1,092 sqft
Parking Spaces	6 Parking Spaces
Porch	Open Frame Porch
Porch Area	543 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	645 S MAIN ST
City	BLUFFTON
State	OH
Zip	45817-1047
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FETT ADDITION LOT 747 PT FF 80.00
Legal Subdivision	FETT ADDITION
Legal Lot Number	747
Jurisdiction	ALLEN OH
Township / Civil Division	RICHLAND
Census Block Group	1
Census Block	1034
Census Tract	10100

Owner

645 S Main St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	645 S MAIN ST, BLUFFTON, OH 45817-1047
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	645 S MAIN ST, BLUFFTON, OH 45817-1047
Document Number	0000011884
Instrument Date	Sep 24, 2020
Transaction Type	Mortgage
Record Updated	Oct 12, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	645 S MAIN ST BLUFFTON OH 458171047, BLUFFTON, OH 45817-1047

Mortgage

Document Number	0000011884
Date	Sep 29, 2020
Instrument	11884

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	Sep 28, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 645 S Main St was $3,942, 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	$3,942.00 (-0.1%)	$119,390 (-) Land $13,090 Building $106,300	$341,100 (-) Land $37,400 Building $303,700
2024	$3,946.00 (+11.28%) Homeowner's exemption	$119,390 (+19.98%) Land $13,090 Building $106,300	$341,100 Land $37,400 Building $303,700
2023	$3,546.00 (-1.09%) Homeowner's exemption	$99,510 (-) Land $10,920 Building $88,590
2022	$3,585.00 Homeowner's exemption	$99,510 Land $10,920 Building $88,590
2021			$284,300 Land $31,200 Building $253,100

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

Flood

FEMA maps place 645 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 645 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 97% of the US · lower than 85% 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 61 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