1004 W Cowing Dr, Muncie, IN 47303 Property Records

Delaware County property record for 1004 W Cowing Dr, Muncie, IN 47303

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,768 sqft · built 1953
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on Record
Last Sale	$93,500 (Apr 2010)
Tax Bill	$1,385 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-11-04-330-013.000-003`

Property Details

APN / Parcel Number

Primary APN	`18-11-04-330-013.000-003`
Alternative APN	`1104330013000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,768 sqft Living Area
1st Floor Area	1,768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	1,250 ft deep x 800 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	11 04 330 013 000
Street Address	1004 W COWING DR
City	MUNCIE
State	IN
Zip	47303-1726
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TILMOR ADD 0.0000ACRES STR: 042010 IN: 28 OUT:
Legal Subdivision	TILMOR ADD
Jurisdiction	DELAWARE IN
Township / Civil Division	CENTER
Census Block Group	3
Census Block	3012
Census Tract	1100

Owner

Source: Delaware County records, as of July 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1004 W COWING DR, MUNCIE, IN 47303-1726
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage HUD
Mar 23, 2022	Deed of Trust, Mortgage · Stand-Alone First Mortgage HUD
Jan 6, 2023	Deed of Trust, Mortgage HUD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2010 · Amount on Record
Deed Sale	Apr 22, 2010 · Amount on Record
Prior Sale	Feb 8, 2005 · Amount on Record
Deed Document Number	20108183
Prior Transfer Date	Jan 31, 2005
Prior Transfer Doc	0000002408
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE IN
Property Address	1004 W COWING DR, MUNCIE, IN 47303-1726
Transaction Type	Mortgage
Record Updated	Jun 9, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R12607
Date	Jul 28, 2021
Instrument	2021R12607

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	228 Months
Due	May 1, 2040

Interest

Rate Type	Fixed Rate

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE IN
Property Address	1004 W COWING DR, MUNCIE, IN 47303-1726
Transaction Type	Mortgage
Record Updated	Jun 9, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022R04740
Date	Mar 23, 2022
Instrument	2022R04740

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	228 Months
Due	May 1, 2040

Interest

Rate Type	Fixed Rate

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE IN
Property Address	1004 W COWING DR, MUNCIE, IN 47303-1726
Transaction Type	Mortgage
Record Updated	Jun 9, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023R00376
Date	Jan 6, 2023
Instrument	2023R00376

Lender

Name	HUD
Type	Government Agency

Agreement

Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2053

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Delaware County assessment roll, as of June 26, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Delaware County
County Subdivision	Center Township
Municipality	Muncie City
Unified School District	Muncie Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,385.00 (+10.01%)	$140,800 (+18.02%) Land $18,400 Building $122,400	$140,800 (+18.02%) Land $18,400 Building $122,400
2024	$1,259.00 (-3.97%)
2023	$1,311.00 (+8.98%)	$119,300 (-0.91%) Land $18,400 Building $100,900	$119,300 (-0.91%) Land $18,400 Building $100,900
2022	$1,203.00 (+11.7%) Homeowner's exemption	$120,400 Land $18,400 Building $102,000	$120,400 Land $18,400 Building $102,000
2021	$1,077.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 12, 2017 · 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	3 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 78% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	INDIANA AMERICAN WATER - MUNCIE private · serves 74,030 people · EPA ID IN5218012
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 465 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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