Allen County property record for 656 S Main St, Bluffton, OH 45817
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,394 sqft · built 1930 |
| Lot Size | 0.254 acres (11,064 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $220,000 (Feb 2026) |
| Tax Bill | $2,422 (2025) |
| Deeds & Mortgages | Feb 2026 Sale & Mortgage Apr 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-1108-01-012.000 |
| Primary APN | 28-1108-01-012.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,394 sqft Living Area |
| Gross Area | 2,476 sqft |
| 1st Floor Area | 942 sqft |
| Attic | Attic |
| Attic Area | 452 sqft |
| Basement Area | 942 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 11,064 sqft (0.254 acres) |
| Lot Dimensions | 165 ft deep x 67 ft wide |
| Garage Type | Detached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 210 sqft |
| Deck Area | 364 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Storm Sewer |
| Water Source | Commercial |
| Street Address | 656 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 467 & PT VAC ALLEY JOINT TEN FF 67.00 |
| Legal Subdivision | MOSES & D H STAGERS FIRST ADDITION |
| Legal Lot Number | 467 |
| Jurisdiction | ALLEN OH |
| Township / Civil Division | RICHLAND |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 10100 |
Source: Allen County records, as of May 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 656 S MAIN ST, BLUFFTON, OH 45817-1048 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Feb 11, 2026 | Survivorship Deed, Transfer · Conventional Mortgage THE CITIZENS NATIONAL BANK OF BLUFF |
| Apr 5, 2021 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jul 24, 2020 | Deed of Trust, Mortgage CITIZENS NAT'L BK/BLUFFTON |
| Oct 11, 2018 | Deed of Trust, Mortgage · Conventional with PMI CITIZENS NAT'L BK/BLUFFTON |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 11, 2026 · Amount on Record |
| Deed Sale | Feb 11, 2026 · Amount on Record |
| Prior Sale | Apr 5, 2021 · Amount on Record |
| Deed Document Number | 20261332 |
| Record Updated | Oct 29, 2026 |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | ALLEN OH |
| Recording Date | Feb 11, 2026 |
| Property Address | 656 S MAIN ST, BLUFFTON, OH 45817-1048 |
| Document Number | 2110001332 |
| Book / Page | 2026 / 1332 |
| Map Reference | MB 4 PG 57 |
| Instrument Date | Feb 10, 2026 |
| Instrument | 202602110001332 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 656 S MAIN ST, BLUFFTON, OH 45817-1048 |
| Document Number | 2110001333 |
|---|---|
| Date | Feb 11, 2026 |
| Instrument | 202602110001333 |
| Name | THE CITIZENS NATIONAL BANK OF BLUFF |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEN OH |
| Recording Date | Apr 5, 2021 |
| Property Address | 656 S MAIN ST, BLUFFTON, OH 45817-1048 |
| Document Number | 4050004450 |
| Book / Page | 2021 / 4450 |
| Instrument Date | Apr 2, 2021 |
| Instrument | 202104050004450 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 656 S MAIN ST, BLUFFTON, OH 45817-1048 |
| Document Number | 4050004451 |
|---|---|
| Date | Apr 5, 2021 |
| Instrument | 202104050004451 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEN OH |
| Property Address | 656 S MAIN ST, BLUFFTON, OH 45817-1048 |
| Document Number | 0000008684 |
| Instrument Date | Jul 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 656 S MAIN ST BLUFFTON OH 458171048, BLUFFTON, OH 45817-1048 |
| Document Number | 0000008684 |
|---|---|
| Date | Jul 30, 2020 |
| Instrument | 8684 |
| Name | CITIZENS NAT'L BK/BLUFFTON |
|---|---|
| Type | Bank |
| Address | BLUFFTON, OH 45817 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jul 29, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEN OH |
| Property Address | 656 S MAIN ST, BLUFFTON, OH 45817-1048 |
| Document Number | 0000011865 |
| Instrument Date | Oct 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 656 S MAIN ST BLUFFTON OH 458171048, BLUFFTON, OH 45817-1048 |
| Document Number | 0000011865 |
|---|---|
| Date | Oct 19, 2018 |
| Instrument | 11865 |
| Name | CITIZENS NAT'L BK/BLUFFTON |
|---|---|
| Type | Bank |
| Address | BLUFFTON, OH 45817 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 18, 2033 |
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 | $2,422.00 (-0.04%) | $73,370 (-) Land $11,170 Building $62,200 | $209,600 (-) Land $31,900 Building $177,700 |
| 2024 | $2,423.00 (+11.2%) Homeowner's exemption | $73,370 (+19.98%) Land $11,170 Building $62,200 | $209,600 (+19.98%) Land $31,900 Building $177,700 |
| 2023 | $2,179.00 (+0.6%) Homeowner's exemption | $61,150 (+1.63%) Land $9,310 Building $51,840 | |
| 2022 | $2,166.00 Homeowner's exemption | $60,170 Land $8,330 Building $51,840 | |
| 2021 | $174,700 Land $26,600 Building $148,100 |
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.
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.
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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