Allen County property record for 650 S Main St, Bluffton, OH 45817
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,568 sqft · built 1926 |
| Lot Size | 0.182 acres (7,928 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $88,000 (Apr 2000) |
| Tax Bill | $2,244 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Aug 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-1108-01-013.000 |
| Primary APN | 28-1108-01-013.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,568 sqft Living Area |
| Gross Area | 3,024 sqft |
| 1st Floor Area | 840 sqft |
| Upper Floors Area | 728 sqft |
| Basement Area | 840 sqft |
| Family Room | Family Room |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1926 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 7,928 sqft (0.182 acres) |
| Lot Dimensions | 165 ft deep x 48 ft wide |
| Garage Type | Attached |
| Garage Area | 556 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Frame Porch |
|---|---|
| Porch Area | 128 sqft |
| Patio Area | 240 sqft |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Storm Sewer |
| Water Source | Commercial |
| Street Address | 650 S MAIN ST |
|---|---|
| City | BLUFFTON |
| State | OH |
| Zip | 45817-1048 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MOSES & D H STAGERS FIRST ADDITION LOT 466 41 FT OFF S SIDE & PT VAC ALLEY JOINT TEN FF 48.00 |
| Legal Subdivision | MOSES & D H STAGERS FIRST ADDITION |
| Legal Lot Number | 466 |
| Jurisdiction | ALLEN OH |
| Township / Civil Division | RICHLAND |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 10100 |
650 S Main St is owned and occupied by two individuals who bought it in April 2000.
Source: Allen County records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 650 S MAIN ST, BLUFFTON, OH 45817-1048 |
| 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.
| Date | Document |
|---|---|
| Aug 3, 2026 | Deed of Trust, Mortgage · Line of Credit SUPERIOR CREDIT UNION |
| Aug 2, 2021 | Deed of Trust, Mortgage SUPERIOR CU |
| Apr 3, 2020 | Loan Modification, Mortgage SUPERIOR CU |
| Jan 10, 2020 | Deed of Trust, Mortgage SUPERIOR CU |
| Oct 26, 2018 | Deed of Trust, Mortgage · Conventional with PMI SUPERIOR CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 20, 2000 · Amount on File |
| Deed Sale | Apr 20, 2000 · Amount on File |
| Prior Sale | Oct 1, 1979 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEN OH |
| Recording Date | Aug 3, 2026 |
| Property Address | 650 S MAIN ST, BLUFFTON, OH 45817-1048 |
| Document Number | 0000008032 |
| Instrument Date | Jul 27, 2026 |
| Instrument | 20268032 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Document Number | 0000008032, |
|---|---|
| Date | Aug 3, 2026 |
| Instrument | 20268032 |
| Name | SUPERIOR CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 143 Months |
| Due | Jul 27, 2038 |
| Rate | 6.49% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEN OH |
| Property Address | 650 S MAIN ST, BLUFFTON, OH 45817-1048 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2021 |
| Name | Verified Name |
|---|
| Document Number | 8020010657 |
|---|---|
| Date | Aug 2, 2021 |
| Book Page | 2021/10657 |
| Instrument | 202108020010657 |
| Name | SUPERIOR CU |
|---|---|
| Type | Credit Union |
| Address | LIMA, OH 45807 |
| Amount | Amount on Record |
|---|---|
| Term | 83 Months |
| Due | Jul 15, 2028 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ALLEN OH |
| Property Address | 650 S MAIN ST, BLUFFTON, OH 45817-1048 |
| Document Number | 0000003629 |
| Instrument Date | Apr 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 650 S MAIN ST BLUFFTON OH 458171048, BLUFFTON, OH 45817-1048 |
| Document Number | 0000003629 |
|---|---|
| Date | Apr 10, 2020 |
| Instrument | 3629 |
| Name | SUPERIOR CU |
|---|---|
| Type | Credit Union |
| Address | LIMA, OH 45807 |
| Amount | Amount on Record |
|---|---|
| Term | 84 Months |
| Due | Apr 9, 2027 |
| Rate | 2.5% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEN OH |
| Property Address | 650 S MAIN ST, BLUFFTON, OH 45817-1048 |
| Document Number | 0000000369 |
| Instrument Date | Jan 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 650 S MAIN ST BLUFFTON OH 458171048, BLUFFTON, OH 45817-1048 |
| Document Number | 0000000369 |
|---|---|
| Date | Jan 10, 2020 |
| Instrument | 369 |
| Name | SUPERIOR CU |
|---|---|
| Type | Credit Union |
| Address | LIMA, OH 45807 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Jan 9, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEN OH |
| Property Address | 650 S MAIN ST, BLUFFTON, OH 45817-1048 |
| Document Number | 0000012357 |
| Instrument Date | Oct 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 650 S MAIN ST BLUFFTON OH 458171048, BLUFFTON, OH 45817-1048 |
| Document Number | 0000012357 |
|---|---|
| Date | Oct 31, 2018 |
| Instrument | 12357 |
| Name | SUPERIOR CU |
|---|---|
| Type | Credit Union |
| Address | LIMA, OH 45807 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 30, 2033 |
The 2025 property tax bill for 650 S Main St was $2,244.
Source: Allen County assessment roll, as of May 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Allen County |
| County Subdivision | Richland Township |
| Municipality | Bluffton Village |
| Unified School District | Bluffton Exempted Village School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,244.00 (-0.04%) | $67,970 (-) Land $7,980 Building $59,990 | $194,200 (-) Land $22,800 Building $171,400 |
| 2024 | $2,245.00 (+11.25%) Homeowner's exemption | $67,970 (+20.02%) Land $7,980 Building $59,990 | $194,200 Land $22,800 Building $171,400 |
| 2023 | $2,018.00 (+0.65%) Homeowner's exemption | $56,630 (+1.69%) Land $6,650 Building $49,980 | |
| 2022 | $2,005.00 Homeowner's exemption | $55,690 Land $5,710 Building $49,980 | |
| 2021 | $161,800 Land $19,000 Building $142,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 650 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 |
|
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 risk around 650 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.
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 |
| 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.
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 |
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