Delaware County property record for 405 S Normandy Dr, Muncie, IN 47304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,038 sqft · built 1941 |
| Lot Size | 0.271 acres (11,790 sqft) |
| Owner | Individual Name on File |
| Last Sale | $219,317 (Dec 2023) |
| Tax Bill | $1,854 (2025) |
| Deeds & Mortgages | Dec 2023 Mortgage Dec 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-11-18-231-019.000-003 |
| Primary APN | 18-11-18-231-019.000-003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,038 sqft Living Area |
| 1st Floor Area | 2,038 sqft |
| Basement Area | 884 sqft |
| Unfinished Basement | 884 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1941 |
|---|---|
| Effective Year Built | Effective 1941 |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 11,790 sqft (0.271 acres) |
| Lot Dimensions | 1,310 ft deep x 900 ft wide |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 11 18 231 019 000 |
|---|---|
| Street Address | 405 S NORMANDY DR |
| City | MUNCIE |
| State | IN |
| Zip | 47304-4330 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CARLTON ADD LOT 11 & N30FT LOT 12 |
| Legal Subdivision | CARLTON ADD |
| Legal Lot Number | 11,12 |
| Jurisdiction | DELAWARE IN |
| Township / Civil Division | CENTER |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 800 |
405 S Normandy Dr is owned and occupied by an individual who bought it in December 2023.
Source: Delaware County records, as of August 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 405 S NORMANDY DR, MUNCIE, IN 47304-4330 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Dec 18, 2023 | Deed of Trust, Mortgage · Conventional Mortgage IHCDA |
| Dec 18, 2023 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE CO INC |
| Nov 7, 2022 | Intrafamily Transfer, Transfer |
| May 3, 2017 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 18, 2023 · Amount on File |
| Deed Sale | Dec 18, 2023 · Amount on File |
| Prior Sale | May 3, 2017 |
| Deed Document Number | 202316338 |
| Prior Transfer Date | Aug 25, 2016 |
| Prior Transfer Doc | 2016R13333 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE IN |
| Property Address | 405 S NORMANDY DR, MUNCIE, IN 47304-4330 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2024 |
| Title Company | MUN |
| Name | Verified Name |
|---|
| Document Number | 2023R16340 |
|---|---|
| Date | Dec 18, 2023 |
| Instrument | 2023R16340 |
| Name | IHCDA |
|---|---|
| Type | Government Agency |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 108 Months |
| Due | Dec 14, 2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DELAWARE IN |
| Recording Date | Dec 18, 2023 |
| Property Address | 405 S NORMANDY DR, MUNCIE, IN 47304-4330 |
| Document Number | 2023R16338 |
| Instrument Date | Dec 14, 2023 |
| Instrument | 2023R16338 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2024 |
| Title Company | NOT AVAILABLE, MUN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | IN |
| Name | Verified Name |
|---|---|
| Address | 405 S NORMANDY DR, MUNCIE, IN 47304-4330 |
| Document Number | 2023R16339 |
|---|---|
| Date | Dec 18, 2023 |
| Instrument | 2023R16339 |
| Name | RUOFF MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DELAWARE IN |
| Recording Date | Nov 7, 2022 |
| Property Address | 405 S NORMANDY DR, MUNCIE, IN 47304-4330 |
| Document Number | 2022R16831 |
| Instrument Date | Nov 7, 2022 |
| Instrument | 2022R16831 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 S NORMANDY DR, MUNCIE, IN 47304-4330 |
| Document Type | Deed |
|---|---|
| Jurisdiction | DELAWARE IN |
| Recording Date | May 3, 2017 |
| Property Address | 405 S NORMANDY DR, MUNCIE, IN 47304-4330 |
| Document Number | 2017R05545 |
| Instrument Date | Apr 29, 2017 |
| Instrument | 2017R05545 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 124 MOONGLOW DR, BELLEVILLE, IL 62221-4327 |
The 2025 property tax bill for 405 S Normandy Dr was $1,854, up 9.8% from the year before.
Source: Delaware County assessment roll, as of June 26, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Delaware County |
| County Subdivision | Center Township |
| Municipality | Muncie City |
| Unified School District | Muncie Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,854.00 (+9.83%) | $194,100 Land $22,300 Building $171,800 | $194,100 Land $22,300 Building $171,800 |
| 2024 | $1,688.00 (+1.2%) | ||
| 2023 | $1,668.00 (+24.01%) | $156,000 (+15.9%) Land $20,300 Building $135,700 | $156,000 (+15.9%) Land $20,300 Building $135,700 |
| 2022 | $1,345.00 (-38.13%) | $134,600 Land $20,300 Building $114,300 | $134,600 Land $20,300 Building $114,300 |
| 2021 | $2,174.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 S Normandy Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1980.
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 | 2 in force |
| Nearby Flood Claims | 3 (1980–2026) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Aug 2026 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding |
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 risk around 405 S Normandy Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 85% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 307 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Surf Internet Fiber | 8,000 / 8,000 |
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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