540 E Cunningham St, Martinsville, IN 46151 Property Records

Morgan County property record for 540 E Cunningham St, Martinsville, IN 46151

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,040 sqft · built 1920
Lot Size	0.202 acres (8,799 sqft)
Owner	Individual Name on File
Last Sale	$148,400 (Nov 2017)
Tax Bill	$1,257 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`55-09-33-436-007.000-021`

Property Details

APN / Parcel Number

Primary APN	`55-09-33-436-007.000-021`
Alternative APNs	`0710933436007000` `00001036151`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,040 sqft Living Area
1st Floor Area	2,040 sqft
Upper Floors Area	1,020 sqft
Basement Area	255 sqft
Unfinished Basement	255 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	8,799 sqft (0.202 acres)
Lot Dimensions	125 ft deep x 73 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001036151
Street Address	540 E CUNNINGHAM ST
City	MARTINSVILLE
State	IN
Zip	46151-1112
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 19 CUNNINGHAM 4TH ADDN & VAC ALLEY 7 X 66 ADJ TO LOT 19
Legal Subdivision	CUNNINGHAM 4TH ADD
Legal Lot Number	19
Jurisdiction	MORGAN IN
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1018
Census Tract	510703

Owner

540 E Cunningham St is owned and occupied by an individual who bought it in November 2017.

Source: Morgan County records, as of June 22, 2026

Owner of Record	Individual Name on File
Mailing Address	540 E CUNNINGHAM ST, MARTINSVILLE, IN 46151-1112
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
Mar 19, 2021	Deed of Trust, Mortgage KEY BANK NA
Nov 2, 2017	Warranty Deed, Transfer · Conventional Mortgage BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2017 · Amount on File
Deed Sale	Nov 2, 2017 · Amount on File
Deed Document Number	201711757
Prior Transfer Date	Nov 2, 2016
Prior Transfer Doc	0201611426
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN IN
Property Address	540 E CUNNINGHAM ST, MARTINSVILLE, IN 46151-1112
Transaction Type	Mortgage
Record Updated	Jun 12, 2023
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 E CUNNINGHAM ST, MARTINSVILLE, IN 46151-1112

Mortgage

Document Number	0202104025
Date	Mar 19, 2021
Instrument	202104025

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44144

Agreement

Amount	Amount on Record
Term	180 Months
Due	Mar 23, 2036

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN IN
Recording Date	Nov 2, 2017
Property Address	540 E CUNNINGHAM ST, MARTINSVILLE, IN 46151-1112
Document Number	0201711757
Map Reference	DD 79 PG 48
Instrument Date	Oct 31, 2017
Instrument	201711757
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 E CUNNINGHAM ST, MARTINSVILLE, IN 46151-1112

Mortgage

Document Number	0201711758
Date	Nov 2, 2017
Instrument	201711758

Lender

Name	BMO HARRIS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 540 E Cunningham St was $1,257 with a homeowner's exemption, down 13.6% from the year before.

Source: Morgan County assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Morgan County
County Subdivision	Washington Township
Municipality	Martinsville City
Unified School District	Martinsville Schools Metropolitan School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,257.00 (-13.61%) Homeowner's exemption	$180,800 Land $21,000 Building $159,800	$180,800 Land $21,000 Building $159,800
2024	$1,455.00 (+9.89%)
2023	$1,324.00 (+13.36%)	$167,500 (+10.63%) Land $21,000 Building $146,500	$167,500 (+10.63%) Land $21,000 Building $146,500
2022	$1,168.00	$151,400 Land $21,000 Building $130,400	$151,400 Land $21,000 Building $130,400

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

Flood

FEMA maps place 540 E Cunningham St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 10, 2026 · 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
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force

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

Wildfire risk around 540 E Cunningham St is low, with 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 80% of the US · above 73% of Indiana
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	MARTINSVILLE WATER UTILITY serves 15,000 people · EPA ID IN5255009
Water Source	Groundwater
Last State Inspection	May 2023
Lead	2 ppb (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	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 209 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: PDS Connect.

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