523 E Charles St, Muncie, IN 47305 Property Records

Delaware County property record for 523 E Charles St, Muncie, IN 47305

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,128 sqft · built 1995
Lot Size	0.178 acres (7,750 sqft)
Owner	Individual Name on File
Last Sale	$134,200 (Mar 2022)
Tax Bill	$1,376 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Mar 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-11-15-134-005.000-003`

Property Details

APN / Parcel Number

Primary APN	`18-11-15-134-005.000-003`
Alternative APN	`1115134005000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,128 sqft Living Area
1st Floor Area	2,128 sqft
Basement Area	792 sqft
Unfinished Basement	792 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	7,750 sqft (0.178 acres)
Lot Dimensions	1,250 ft deep x 620 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	11 15 134 005 000
Street Address	523 E CHARLES ST
City	MUNCIE
State	IN
Zip	47305-2611
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COFFEEN'S 2 ADD LOT 1 BLK 1
Legal Subdivision	COFF 2 ADD
Legal Block	1
Legal Lot Number	1
Jurisdiction	DELAWARE IN
Township / Civil Division	CENTER
Census Block Group	3
Census Block	3048
Census Tract	2800

Historic Designation

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

Historic District	Within the Kimbrough, Emily, Historic District (Boundary Increase) listed 1989 · 140 contributing resources · NRIS 89000779

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

Owner

523 E Charles St is owned and occupied by an individual who bought it in March 2022.

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

Owner of Record	Individual Name on File
Mailing Address	523 E CHARLES ST, MUNCIE, IN 47305-2611
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIGURE LENDING LLC
Mar 30, 2022	Warranty Deed, Transfer · FHA Mortgage FINANCE AMERICA MTG LLC
Nov 13, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2022 · Amount on File
Deed Sale	Mar 30, 2022 · Amount on File
Prior Sale	Nov 13, 2019
Deed Document Number	20225097
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE IN
Property Address	523 E CHARLES ST, MUNCIE, IN 47305-2611
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2021R10761
Date	Jun 30, 2021
Instrument	2021R10761

Lender

Name	FIGURE LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 21, 2036

Interest

Rate Type	Fixed Rate

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE IN
Recording Date	Mar 30, 2022
Property Address	523 E CHARLES ST, MUNCIE, IN 47305-2611
Document Number	2022R05097
Instrument Date	Mar 25, 2022
Instrument	2022R05097
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	523 E CHARLES ST, MUNCIE, IN 47305-2611

Mortgage

Document Number	2022R05098
Date	Mar 30, 2022
Instrument	2022R05098

Lender

Name	FINANCE AMERICA MTG LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE IN
Recording Date	Nov 13, 2019
Property Address	523 E CHARLES ST, MUNCIE, IN 47305-2611
Document Number	2019R15151
Instrument Date	Nov 7, 2019
Instrument	2019R15151
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 E CHARLES ST, MUNCIE, IN 47305-2611
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 523 E Charles St was $1,376, up 7.5% 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	$1,376.00 (+7.5%)	$140,900 Land $16,700 Building $124,200	$140,900 Land $16,700 Building $124,200
2024	$1,280.00 (+20.3%)
2023	$1,064.00 (+57.86%)	$95,600 (+41.84%) Land $11,800 Building $83,800	$95,600 (+41.84%) Land $11,800 Building $83,800
2022	$674.00 (-1.75%) Homeowner's exemption	$67,400 Land $17,100 Building $50,300	$67,400 Land $17,100 Building $50,300
2021	$686.00

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

Flood

FEMA maps place 523 E Charles 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 523 E Charles 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 362 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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