1320 E Main St, Muncie, IN 47305 Property Records

Delaware County property record for 1320 E Main St, Muncie, IN 47305

Property Summary

Property Type	Triplex
Details	2 bd · 3 ba · 2,116 sqft · built 1965
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$191,520 (Dec 2025)
Tax Bill	$1,392 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Aug 2021 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`18-11-10-490-022.000-003`

Property Details

APN / Parcel Number

Primary APN	`18-11-10-490-022.000-003`
Alternative APN	`1110490022000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,116 sqft Living Area
1st Floor Area	2,116 sqft
Attic	Attic
Attic Area	788 sqft
Basement Area	788 sqft
Unfinished Basement	788 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Triplex
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	1,220 ft deep x 400 ft wide

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	11 10 490 022 000
Street Address	1320 E MAIN ST
City	MUNCIE
State	IN
Zip	47305-2099
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Description	PT SE QTR 122 FT BY 40 FT MAIN ST 0.1100ACRES STR: 102010 IN: OUT:
Jurisdiction	DELAWARE IN
Township / Civil Division	CENTER
Census Block Group	3
Census Block	3016
Census Tract	2800

Owner

1320 E Main St, a triplex, is owned by an individual who bought it in December 2025.

Source: Delaware County records, as of June 26, 2026

Owner of Record	Individual Name on File
Mailing Address	8650 COWBERRY RD, PHELAN, CA 92371-8678
Owner Type	Individual

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
Dec 30, 2025	Warranty Deed, Transfer · Conventional Mortgage CAKE MORTGAGE CORP
Aug 26, 2021	Warranty Deed, Transfer
Jun 25, 2020	Intrafamily Transfer, Transfer
Jun 25, 2020	Intrafamily Transfer, Transfer
Aug 26, 2021	Intrafamily Transfer, Transfer
Aug 26, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2025 · Amount on File
Deed Sale	Dec 30, 2025 · Amount on File
Prior Sale	Aug 26, 2021 · Amount on File
Deed Document Number	202516834
Prior Transfer Date	Jun 17, 2015
Prior Transfer Doc	2021R14327
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE IN
Recording Date	Dec 30, 2025
Property Address	1320 E MAIN ST, MUNCIE, IN 47305-2099
Document Number	2025R16834
Instrument Date	Dec 17, 2023
Instrument	2025R16834
Transaction Type	Transfer
Record Updated	Jan 22, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	228 E 12TH ST, ANDERSON, IN 46016-1727

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8650 COWBERRY RD, PHELAN, CA 92371-8678

Mortgage

Document Number	2025R16835
Date	Dec 30, 2025
Instrument	2025R16835

Lender

Name	CAKE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE IN
Recording Date	Aug 26, 2021
Property Address	1320 E MAIN ST, MUNCIE, IN 47305-2099
Document Number	2021R14329
Instrument Date	Aug 9, 2021
Instrument	2021R14329
Transaction Type	Transfer
Record Updated	Feb 7, 2023

Transaction

Amount	Amount 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	PO BOX 323, SPRINGPORT, IN 47386-0323

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DELAWARE IN
Recording Date	Jun 25, 2020
Property Address	1320 E MAIN ST, MUNCIE, IN 47305-2099
Document Number	2020R07602
Instrument Date	Jun 18, 2020
Instrument	2020R07602
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1021 E WILLARD ST, MUNCIE, IN 47302-3554

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DELAWARE IN
Recording Date	Jun 25, 2020
Property Address	1320 E MAIN ST, MUNCIE, IN 47305-2099
Document Number	2020R07602
Instrument Date	Jun 18, 2020
Instrument	2020R07602
Transaction Type	Transfer
Record Updated	Feb 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1021 E WILLARD ST, MUNCIE, IN 47302-3554
Investor	Possibly a Property Investor

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DELAWARE IN
Recording Date	Aug 26, 2021
Property Address	1320 E MAIN ST, MUNCIE, IN 47305-2099
Document Number	2021R14328
Instrument Date	Jun 18, 2020
Instrument	2021R14328
Transaction Type	Transfer
Record Updated	Feb 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1021 E WILLARD ST, MUNCIE, IN 47302-3554
Investor	Possibly a Property Investor

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DELAWARE IN
Recording Date	Aug 26, 2021
Property Address	1320 E MAIN ST, MUNCIE, IN 47305-2099
Document Number	2021R14327
Instrument Date	Jun 17, 2015
Instrument	2021R14327
Transaction Type	Transfer
Record Updated	Feb 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1505 E KIRBY AVE, MUNCIE, IN 47302-2665

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 S COUNCIL ST, MUNCIE, IN 47305-2201
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 1320 E Main St was $1,392, up 21.9% 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	$1,392.00 (+21.89%)	$64,200 (+24.18%) Land $2,100 Building $62,100	$64,200 (+24.18%) Land $2,100 Building $62,100
2024	$1,142.00 (+170.62%)	$51,700 (+69.51%) Land $2,100 Building $49,600	$51,700 (+69.51%) Land $2,100 Building $49,600
2023	$422.00 (-37.67%)	$30,500 (+26.03%) Land $2,100 Building $28,400	$30,500 (+26.03%) Land $2,100 Building $28,400
2022	$677.00 (+83.97%)	$24,200 Land $2,100 Building $22,100	$24,200 Land $2,100 Building $22,100
2021	$368.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1320 E Main 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 1320 E Main 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 247 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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