Delaware County property record for 511 S Willow Rd, Muncie, IN 47304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,260 sqft · built 1952 |
| Lot Size | 0.223 acres (9,724 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $118,900 (May 2019) |
| Tax Bill | $746 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Mar 2024 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-11-18-208-015.000-003 |
| Primary APN | 18-11-18-208-015.000-003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,260 sqft Living Area |
| 1st Floor Area | 1,260 sqft |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1975 |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 9,724 sqft (0.223 acres) |
| Lot Dimensions | 680 ft deep x 1,430 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 108 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 11 18 208 015 000 |
|---|---|
| Street Address | 511 S WILLOW RD |
| City | MUNCIE |
| State | IN |
| Zip | 47304-4271 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDINGWOOD 0.0000ACRES STR: 182010 IN: 94 OUT: |
| Legal Subdivision | LUDINGWOOD |
| Jurisdiction | DELAWARE IN |
| Township / Civil Division | CENTER |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 800 |
Source: Delaware County records, 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 | Individual Name on Record |
|---|---|
| Mailing Address | 511 S WILLOW RD, MUNCIE, IN 47304-4271 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 5, 2025 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Mar 22, 2024 | Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK |
| May 8, 2019 | Deed of Trust, Mortgage · FHA Mortgage RUOFF MORTGAGE CO INC |
| Feb 5, 2020 | Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO |
| Nov 5, 2020 | Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO |
| Nov 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage OCEANSIDE MORTGAGE CO |
| May 8, 2019 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 8, 2019 · Amount on Record |
| Deed Sale | May 8, 2019 · Amount on Record |
| Deed Document Number | 20195498 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE IN |
| Property Address | 511 S WILLOW RD, MUNCIE, IN 47304-4271 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2025 |
| Name | Verified Name |
|---|
| Document Number | 2025R11861 |
|---|---|
| Date | Sep 5, 2025 |
| Instrument | 2025R11861 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE IN |
| Property Address | 511 S WILLOW RD, MUNCIE, IN 47304-4271 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2024 |
| Name | Verified Name |
|---|
| Document Number | 2024R04301 |
|---|---|
| Date | Mar 22, 2024 |
| Instrument | 2024R04301 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 3, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE IN |
| Property Address | 511 S WILLOW RD, MUNCIE, IN 47304-4271 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2019R05500 |
|---|---|
| Date | May 8, 2019 |
| Instrument | 2019R05500 |
| Name | RUOFF MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE IN |
| Property Address | 511 S WILLOW RD, MUNCIE, IN 47304-4271 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2020R01875 |
|---|---|
| Date | Feb 5, 2020 |
| Instrument | 2020R01875 |
| Name | OCEANSIDE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE IN |
| Property Address | 511 S WILLOW RD, MUNCIE, IN 47304-4271 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2020R15297 |
|---|---|
| Date | Nov 5, 2020 |
| Instrument | 2020R15297 |
| Name | OCEANSIDE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE IN |
| Property Address | 511 S WILLOW RD, MUNCIE, IN 47304-4271 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2021R19664 |
|---|---|
| Date | Nov 18, 2021 |
| Instrument | 2021R19664 |
| Name | OCEANSIDE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DELAWARE IN |
| Recording Date | May 8, 2019 |
| Property Address | 511 S WILLOW RD, MUNCIE, IN 47304-4271 |
| Document Number | 2019R05498 |
| Instrument Date | May 1, 2019 |
| Instrument | 2019R05498 |
| Transaction Type | Transfer |
| Record Updated | Aug 8, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 511 S WILLOW RD, MUNCIE, IN 47304-4271 |
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 | $746.00 (+1.77%) | $183,800 (+37.47%) Land $24,300 Building $159,500 | $183,800 (+37.47%) Land $24,300 Building $159,500 |
| 2024 | $733.00 | ||
| 2023 | $733.00 (+19.58%) | $133,700 (+7.3%) Land $20,300 Building $113,400 | $133,700 (+7.3%) Land $20,300 Building $113,400 |
| 2022 | $613.00 (+2%) | $124,600 Land $20,300 Building $104,300 | $124,600 Land $20,300 Building $104,300 |
| 2021 | $601.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 4 in force |
| Nearby Flood Claims | 1 (2026) |
| Claims Outside the SFHA | 1 of 1 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 94% 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 280 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 | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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