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1128 W Cherry St, Bluffton, IN, 46714

3beds
2baths
1,284sqft
$140,000
$109price/sqft
$988/moest. monthly cost
$39,520/yrincome needed

About This Home

Great bones and potential with this 1900's two story. Located on a corner lot, this home features nearly 1,300 SqFt of living space. 3 bedrooms, 1.5 bathrooms, and a 25'x31' heated shop with a second floor! Spacious eat-in kitchen. All appliances are included. Covered enclosed back porch, and patio. 4 year old Metal roof on the back part of the home. Close to city parks. Bluffton Schools

Getting Around

30
WalkingCar-Dependent
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

10/10
Bluffton High SchoolGrades 9-121.4 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Slab
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range/Oven Hook Up Gas,Refrigerator,Washer,Dryer-Electric,Gas Range,Gas Water Heater
  • Laundry features: Main Level

Basement

  • Basement: Crawl Space,Sump Pump

Bedroom1

  • Level: Main

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

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

Features

  • Bookcases,Ceiling Fan(s),Laminate Counters,Eat-in Kitchen,Natural Woodwork,Main Level Bedroom Suite,Custom Cabinetry
  • Fireplace features: None
  • Attic: Walk-up
  • Finished area below ground: 0
  • Finished area above ground: 1,284

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,284
  • Total interior livable area: 1,284 sqft

Kitchen

  • Level: Main
  • Area: 165

Living Room

  • Level: Main
  • Area: 255

Property

Details

  • Parcel number: 900805507007.000004
  • Other equipment: Sump Pump

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio,Enclosed

Lot

  • Lot size: 7,840 sqft
  • Features: Corner Lot,Level
  • Lot size dimensions: 58x136

Parking

  • Total spaces: 2
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 $707$8,484
Home Insurance *$69$828
Property Taxes $28$336
Electricity $184$2,212
Total$988$11,856
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$33,874/yr
40% on housing$29,640/yr
45% on housing$26,346/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

$109This listing

vs Other Active Listings

Avg $/sqft

ZIP 46714$119
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)

Price History

DateEventPrice
2026-04-21Listed for sale$140,000
2026-02-25Listing removed$140,000
2025-11-25Listed for sale$140,000
2007-07-02Sold$46,000
2007-04-02Sold$53,016
2005-06-17Sold$67,000

For Sale by Agent

AgentNicholas Huffman
BrokerageSteffen Group

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