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428 W Townley St, Bluffton, IN, 46714

2beds
1baths
720sqft
$87,500
$122price/sqft
$803/moest. monthly cost
$32,120/yrincome needed

About This Home

This property offers 2 bedrooms and 1 bathroom sitting on .142 acres with a detatched garage.

Getting Around

55
WalkingSomewhat Walkable
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

10/10
Bluffton High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1940

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Basement

  • Basement: Other

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 2

Features

  • Finished area below ground: 0
  • Finished area above ground: 720

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 720
  • Total interior livable area: 720 sqft

Property

Details

  • Parcel number: 900804503294.000004

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 6,185 sqft
  • Features: 0-2.9999

Parking

  • Total spaces: 1
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Hail
Heat Wave
Inland Flooding

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 $442$5,304
Home Insurance *$43$516
Property Taxes $134$1,608
Electricity $184$2,212
Total$803$9,636
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$27,531/yr
40% on housing$24,090/yr
45% on housing$21,413/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

$122This listing

vs Other Active Listings

Avg $/sqft

ZIP 46714$121
Wells County$136

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
2026-08-12Pending sale$85,000
2026-08-06Price change$85,000
2026-07-28Price change$87,500
2026-07-18Price change$90,000
2026-07-12Price change$92,500
2026-07-06Price change$95,000
2026-06-28Price change$97,500
2026-06-18Price change$100,000
2026-06-06Pending sale$95,000
2026-05-30Price change$95,000
2026-05-27Price change$97,500
2026-05-22Listed for sale$100,000
2013-12-30Sold$3,510
2013-08-11Listing removed$22,350
2013-08-09Listed for sale$22,350

For Sale by Agent

AgentNolan Sinclair
BrokerageHoereth Real Estate

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