120 N Walnut St, Muncie, IN 47305 Property Records

Delaware County property record for 120 N Walnut St, Muncie, IN 47305

Property Summary

Property Type	Commercial
Details	5,100 sqft · built 1890
Lot Size	0.061 acres (2,646 sqft)
Owner	Company Name on File
Tax Bill	$3,238 (2025)
Deeds & Mortgages	Jan 2016 Mortgage Jul 2015 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-11-10-359-003.000-003`

Property Details

APN / Parcel Number

Primary APN	`18-11-10-359-003.000-003`
Alternative APN	`1110359003000`

Interior

Plumbing Fixtures	35 Plumbing Fixtures
Stories	3 Stories
Building Area	5,100 sqft Total Area
1st Floor Area	5,100 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	2,646 sqft (0.061 acres)

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	11 10 359 003 000
Street Address	120 N WALNUT ST
City	MUNCIE
State	IN
Zip	47305-1719
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	GILBERTS DONATION PT S HLF EXC 10.085 X 125FT LOT 3 BLK 12
Legal Subdivision	GILBERTS DONATION
Legal Block	12
Legal Lot Number	3
Jurisdiction	DELAWARE IN
Township / Civil Division	CENTER
Census Block Group	1
Census Block	1022
Census Tract	2800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Walnut Street Historic District listed 1989 · 67 contributing resources · NRIS 88002112

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

120 N Walnut St, a commercial property, is owned by a company that acquired it in January 2024.

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

Owner of Record	Company Name on File
Mailing Address	2204 W SUN VALLEY PKWY, MUNCIE, IN 47303-9045
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2016	Deed of Trust, Mortgage · Commercial Mortgage FIRST MERCHANTS BANK NA
Jul 24, 2015	Deed of Trust, Mortgage · Commercial Mortgage MUNCIE DOWNTOWN DEV PA INC
Jan 17, 2024	Warranty Deed, Transfer
Nov 10, 2015	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2024
Deed Sale	Jan 17, 2024
Prior Sale	Nov 10, 2015
Deed Document Number	20241014
Record Updated	Oct 29, 2026

January 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE IN
Property Address	120 N WALNUT ST, MUNCIE, IN 47305-1719
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2016R00124
Date	Jan 5, 2016
Instrument	2016R00124

Lender

Name	FIRST MERCHANTS BANK NA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

July 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE IN
Property Address	120 N WALNUT ST, MUNCIE, IN 47305-1719
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2015R08465
Date	Jul 24, 2015
Instrument	2015R08465

Lender

Name	MUNCIE DOWNTOWN DEV PA INC
Type	Government Agency

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE IN
Recording Date	Jan 17, 2024
Property Address	120 N WALNUT ST, MUNCIE, IN 47305-1719
Document Number	2024R01014
Instrument Date	Jan 12, 2024
Instrument	2024R01014
Transaction Type	Transfer
Record Updated	Feb 7, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2204 W SUN VALLEY PKWY, MUNCIE, IN 47303-9045

November 2015: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE IN
Recording Date	Nov 10, 2015
Property Address	120 N WALNUT ST, MUNCIE, IN 47305-1719
Document Number	2015R13560
Instrument Date	Nov 6, 2015
Instrument	2015R13560
Transaction Type	Transfer
Record Updated	Jul 1, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 S BUCKINGHAM RD, YORKTOWN, IN 47396-9252
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 120 N Walnut St was $3,238, up 21% from the year before.

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	$3,238.00 (+20.96%)	$99,200 (+21.87%) Land $29,900 Building $69,300	$99,200 (+21.87%) Land $29,900 Building $69,300
2024	$2,677.00 (+5.02%)	$81,400 (-) Land $29,900 Building $51,500	$81,400 (-) Land $29,900 Building $51,500
2023	$2,549.00 (-30.92%)	$81,400 (-0.73%) Land $29,900 Building $51,500	$81,400 (-0.73%) Land $29,900 Building $51,500
2022	$3,690.00 (+57.56%)	$82,000 Land $29,900 Building $52,100	$82,000 Land $29,900 Building $52,100
2021	$2,342.00

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

Flood

FEMA maps place 120 N Walnut St in Zone X, an area of minimal flood risk.

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

The area around 120 N Walnut St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 306 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 Fixed Wireless · DSL	100 / 20

May also be available: T-Mobile.

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