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421 E Ohio St, Bluffton, IN, 46714

4beds
3baths
2,807sqft
$250,000
$89price/sqft
$1,808/moest. monthly cost
$72,320/yrincome needed

About This Home

This one truly offers a combination of spaces you do not often find! Situated on two lots, the property includes a 1,549 sq. ft. 1.5 story home, a 634 sq. ft. independent apartment, a 624 sq. ft. finished studio, and a detached two car garage. The main home features three bedrooms and one full bath, with a main floor bedroom and two additional bedrooms upstairs. From the front entry, the living room leads to an office/den, while the kitchen connects the den to the dining room. Beyond the dining room is a second spacious living area and a large three-season room, providing plenty of room to gather, relax, or entertain. At the rear of the property, the separate one-bedroom, one-bath apartment offers its own living space and is conveniently located next to the garage. To the west of the home, the heated finished studio includes a half bath and offers flexible possibilities for hobbies, recreation, an office, or additional workspace. The fenced yard is tucked between the home, apartment, garage, and studio, creating a private central outdoor area. The reported finished square footage reflects all three finished structures, with the primary residence comprising 1,549 sq. ft. A versatile property with room to live, work, create, and accommodate guests or extended family all in one location.

Getting Around

49
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

10/10
Bluffton High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1935

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: A-Frame
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Disposal,Range/Oven Hk Up Gas/Elec,Dishwasher,Refrigerator,Gas Range,Gas Water Heater,Water Softener Owned
  • Laundry features: Electric Dryer Hookup,Main Level

Basement

  • Has basement: Yes
  • Basement: Cellar,Concrete,Sump Pump

Bedroom1

  • Level: Main

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bedrooms: 2

Dining Room

  • Level: Main
  • Area: 154

Family Room

  • Level: Main
  • Area: 300

Features

  • Bookcases,Ceiling Fan(s),Laminate Counters,Tub/Shower Combination
  • Window features: Window Treatments
  • Flooring: Carpet,Laminate
  • Fireplace features: Family Room,Gas Log,Free Standing
  • Finished area below ground: 0
  • Finished area above ground: 2,807

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,303
  • Total interior livable area: 2,807 sqft

Kitchen

  • Level: Main
  • Area: 120

Living Room

  • Level: Main
  • Area: 165

Property

Details

  • Parcel number: 900804511050.000004
  • Zoning: R2
  • Other equipment: Sump Pump

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Porch Covered
  • Exterior features: Workshop
  • Fencing: Full,Privacy,Wood

Lot

  • Lot size: 0.40 Acres
  • Features: Level,City/Town/Suburb,Landscaped
  • Lot size dimensions: 118X148

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener,Concrete
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Strong Wind
    Strong WindRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Inland Flooding
Tornado

FEMA Declared Disasters Across Indiana Counties

Flood
Snowstorm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,264$15,168
Home Insurance *$124$1,488
Property Taxes $163$1,956
Electricity $257$3,087
Total$1,808$21,696
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$61,988/yr
40% on housing$54,240/yr
45% on housing$48,213/yr

Indiana FAIR Plan Programs

Indiana Basic Property Insurance Underwriting Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 810Commercial: 30
Total Premiums$1.77M
Total Exposure$1.82M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.8%
8.8%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 12.3%
12.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$89This listing

vs Other Active Listings

Avg $/sqft

ZIP 46714$118
Wells County$135

vs Homes Sold Last Month

Median $/sqft

ZIP 46714$152
Wells County$160

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-13Pending sale$250,000
2026-07-30Listed for sale$250,000
2010-11-18Listing removed$99,500
2010-09-22Price change$99,500
2010-08-28Listed for sale$120,000

For Sale by Agent

AgentIsaac H Stoller
BrokerageSteffen Group

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