109 E Charter Dr, Muncie, IN 47303 Property Records

Delaware County property record for 109 E Charter Dr, Muncie, IN 47303

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 2,434 sqft · built 2008
Lot Size	0.17 acres (7,405 sqft)
Owner	Company Name on File
Tax Bill	$2,520 (2025)
Deeds & Mortgages	Mar 2023 Transfer Jun 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-07-34-305-016.000-003`

Property Details

APN / Parcel Number

Primary APN	`18-07-34-305-016.000-003`
Alternative APN	`0734305016000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,434 sqft Living Area
1st Floor Area	2,434 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Condo/Apartment
Construction Type	Brick
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	1,570 ft deep x 490 ft wide
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	07 34 305 016 000
Street Address	109 E CHARTER DR
City	MUNCIE
State	IN
Zip	47303-0901
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	5 K ESTATES REPLAT LTS 1TO 7 & 39 TO 41 LOT 2B 0.170 AC MP 07-34-E- -001.60
Legal Subdivision	5 K ESTATES
Legal Lot Number	2B
Jurisdiction	DELAWARE IN
Township / Civil Division	CENTER
Census Block Group	1
Census Block	1001
Census Tract	2000

Owner

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

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

Owner of Record	Company Name on File
Mailing Address	109 E CHARTER DR, MUNCIE, IN 47303-0901
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2023	Quit Claim Deed, Transfer Quitclaim
Jun 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS STATE BANK
Feb 16, 2023	Warranty Deed, Transfer · VA Mortgage THRIVE MORTGAGE LLC
Oct 14, 2021	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 31, 2023
Deed Sale	Mar 31, 2023
Prior Sale	Feb 16, 2023 · Amount on Record
Deed Document Number	20234373
Record Updated	Sep 20, 2026

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DELAWARE IN
Recording Date	Mar 31, 2023
Property Address	109 E CHARTER DR, MUNCIE, IN 47303-0901
Document Number	2023R04373
Map Reference	IN2008R15264
Instrument Date	Mar 31, 2023
Instrument	2023R04373
Transaction Type	Transfer
Record Updated	Apr 19, 2023

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E CHARTER DR, MUNCIE, IN 47303-0901

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE IN
Property Address	109 E CHARTER DR, MUNCIE, IN 47303-0901
Transaction Type	Mortgage
Record Updated	Mar 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2019R07879
Date	Jun 20, 2019
Instrument	2019R07879

Lender

Name	CITIZENS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jun 14, 2020

Interest

Rate Type	Adjustable Rate

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE IN
Recording Date	Feb 16, 2023
Property Address	109 E CHARTER DR, MUNCIE, IN 47303-0901
Document Number	2023R02765
Map Reference	IN2008R15264
Instrument Date	Feb 9, 2023
Instrument	2023R02765
Transaction Type	Transfer
Record Updated	Mar 17, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E CHARTER DR, MUNCIE, IN 47303-0901

Mortgage

Document Number	2023R02766
Date	Feb 16, 2023
Instrument	2023R02766

Lender

Name	THRIVE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE IN
Recording Date	Oct 14, 2021
Property Address	109 E CHARTER DR, MUNCIE, IN 47303-0901
Document Number	2021R17468
Map Reference	IN2008R15264
Instrument Date	Oct 8, 2021
Instrument	2021R17468
Transaction Type	Transfer
Record Updated	Mar 17, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E CHARTER DR, MUNCIE, IN 47303-0901

Mortgage

Document Number	2021R17469
Date	Oct 14, 2021
Instrument	2021R17469

Lender

Name	NORTHWEST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$2,520.00 (+10.38%)	$266,900 (+34.26%) Land $33,700 Building $233,200	$266,900 (+34.26%) Land $33,700 Building $233,200
2024	$2,283.00 (+8.4%)
2023	$2,106.00 (+29.04%)	$198,800 (+0.56%) Land $28,100 Building $170,700	$198,800 (+0.56%) Land $28,100 Building $170,700
2022	$1,632.00 (+2%) Homeowner's exemption	$197,700 Land $28,100 Building $169,600	$197,700 Land $28,100 Building $169,600
2021	$1,600.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Not rated no burnable land within ember reach

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 144 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile USA.

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