304 Central Ave, Lapel, IN 46051 Property Records

Madison County property record for 304 Central Ave, Lapel, IN 46051

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,952 sqft · built 1910
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$30,000 (Jan 2016)
Tax Bill	$1,505 (2025)
Deeds & Mortgages	Mar 2026 Transfer Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-10-27-300-066.000-032`

Property Details

APN / Parcel Number

Primary APN	`48-10-27-300-066.000-032`
Alternative APNs	`00001331974` `311039`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,952 sqft Living Area
1st Floor Area	1,952 sqft
Upper Floors Area	976 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1975
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	1,296 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	368 sqft
Patio Area	242 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001331974
Street Address	304 CENTRAL AVE
City	LAPEL
State	IN
Zip	46051-9662
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODWARDS 4TH L 151 & 152
Legal Subdivision	WILLIAM WOODWARDS FOURTH ADDITION
Jurisdiction	MADISON IN
Township / Civil Division	STONY CREEK
Census Block Group	2
Census Block	2046
Census Tract	11100

Owner

Source: Madison County records, as of June 23, 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	304 CENTRAL AVE, LAPEL, IN 46051-9662
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2026	Transfer on Death Deed, Transfer
Jul 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST MERCHANTS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 11, 2016 · Amount on Record
Deed Sale	Jan 11, 2016 · Amount on Record
Prior Sale	Jan 18, 2008 · Amount on Record
Deed Document Number	2016362
Last Transfer Date	Mar 5, 2026
Transfer Doc	0000003246
Record Updated	Sep 20, 2026

March 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MADISON IN
Recording Date	Mar 5, 2026
Property Address	304 CENTRAL AVE, LAPEL, IN 46051-9662
Document Number	2026R03246
Map Reference	PB 5 PG 77
Instrument Date	Mar 5, 2026
Instrument	2026R03246
Transaction Type	Transfer
Record Updated	Mar 25, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	304 CENTRAL AVE, LAPEL, IN 46051-9662

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 CENTRAL AVE, LAPEL, IN 46051-9662

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IN
Property Address	304 CENTRAL AVE, LAPEL, IN 46051-9662
Transaction Type	Mortgage
Record Updated	May 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020R09778
Date	Jul 13, 2020
Instrument	2020R09778

Lender

Name	FIRST MERCHANTS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Madison County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Madison County
County Subdivision	Stony Creek Township
Municipality	Lapel Town
Unified School District	Frankton-Lapel Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,505.00 (-0.2%) Homeowner's exemption	$167,300 (+21.41%) Land $11,800 Building $155,500	$167,300 (+21.41%) Land $11,800 Building $155,500
2024	$1,508.00 (-4.86%)
2023		$137,800 (+2.91%) Land $11,200 Building $126,600	$137,800 (+2.91%) Land $11,200 Building $126,600
2022	$1,585.00 Homeowner's exemption	$133,900 Land $10,400 Building $123,500	$133,900 Land $10,400 Building $123,500

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 10, 2019

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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LAPEL MUNICIPAL WATER COMPANY serves 2,379 people · EPA ID IN5248013
Water Source	Groundwater
Last State Inspection	Aug 2025

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	No certified operator Feb 2023
Monitoring and Reporting	1 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 132 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
On-Ramp Indiana Fiber · Fixed Wireless	1,000 / 1,000
Spectrum Fiber	1,000 / 1,000
Mercury Fiber Fixed Wireless	150 / 20

May also be available: BridgeMAXX Suncoast Broadband, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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