708 E Adams St, Muncie, IN 47305 Property Records

Delaware County property record for 708 E Adams St, Muncie, IN 47305

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,450 sqft · built 1890
Lot Size	0.537 acres (23,375 sqft)
Owner	Individual Name on Record
Last Sale	$233,747 (Feb 2023)
Tax Bill	$1,977 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Feb 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-11-15-128-011.000-003`

Property Details

APN / Parcel Number

Primary APN	`18-11-15-128-011.000-003`
Alternative APN	`1115128011000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,450 sqft Living Area
1st Floor Area	2,450 sqft
Basement Area	176 sqft
Unfinished Basement	176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1990
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	23,375 sqft (0.537 acres)
Lot Dimensions	1,250 ft deep x 1,870 ft wide
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	11 15 128 011 000
Street Address	708 E ADAMS ST
City	MUNCIE
State	IN
Zip	47305-2606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COFFEENS 1 ADD BLK 3 S PT L 5 LOT 5-6-7
Legal Subdivision	COFFEENS 1 ADD
Legal Block	3
Legal Lot Number	5-6
Jurisdiction	DELAWARE IN
Township / Civil Division	CENTER
Census Block Group	3
Census Block	3031
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 listed 1980 · 123 contributing resources · NRIS 80000032

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

Owner

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	708 E ADAMS ST, MUNCIE, IN 47305-2606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2026	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Feb 28, 2023	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE CO INC
May 10, 2019	Limited Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2023 · Amount on Record
Deed Sale	Feb 28, 2023 · Amount on Record
Prior Sale	May 10, 2019
Deed Document Number	20233187
Prior Transfer Date	Jun 4, 2007
Prior Transfer Doc	0000021739
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE IN
Recording Date	Jun 15, 2026
Property Address	708 E ADAMS ST, MUNCIE, IN 47305-2606
Document Number	0000008084
Instrument Date	Jun 10, 2026
Instrument	20268084
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	708 E ADAMS ST, MUNCIE, IN 47305-2606

Mortgage

Document Number	0000008084,
Date	Jun 15, 2026
Instrument	20268084

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE IN
Recording Date	Feb 28, 2023
Property Address	708 E ADAMS ST, MUNCIE, IN 47305-2606
Document Number	2023R03187
Instrument Date	Feb 21, 2023
Instrument	2023R03187
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Amount	Amount Recorded
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	708 E ADAMS ST, MUNCIE, IN 47305-2606

Mortgage

Document Number	2023R03188
Date	Feb 28, 2023
Instrument	2023R03188

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

May 2019: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	DELAWARE IN
Recording Date	May 10, 2019
Property Address	708 E ADAMS ST, MUNCIE, IN 47305-2606
Document Number	2019R05622
Instrument Date	May 10, 2019
Instrument	2019R05622
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 INDIANA SQ STE 3000, 3000, INDIANAPOLIS, IN 46204-2063

Tax Assessment & Valuation

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	$1,977.00 (+4.22%)	$207,700 (+83.81%) Land $42,700 Building $165,000	$207,700 (+83.81%) Land $42,700 Building $165,000
2024	$1,897.00 (+44.59%)
2023	$1,312.00 (+7.45%)	$113,000 (-2.42%) Land $35,600 Building $77,400	$113,000 (-2.42%) Land $35,600 Building $77,400
2022	$1,221.00 (-6.29%) Homeowner's exemption	$115,800 Land $51,500 Building $64,300	$115,800 Land $51,500 Building $64,300
2021	$1,303.00

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

Flood

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

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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