3155 Myrtle Dr, Lapel, IN 46051 Property Records

Madison County property record for 3155 Myrtle Dr, Lapel, IN 46051

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,590 sqft · built 1999
Lot Size	0.27 acres (11,780 sqft)
Owner	Individual Name on File
Tax Bill	$2,631 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Feb 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`31-9999-6-A056`

Property Details

APN / Parcel Number

Primary APN	`31-9999-6-A056`
Alternative APNs	`48-10-33-100-077.000-032` `00001333688`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,590 sqft Living Area
1st Floor Area	2,582 sqft
Upper Floors Area	529 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	11,780 sqft (0.27 acres)
Lot Dimensions	155 ft deep x 76 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Patio Area	342 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001333688
Street Address	3155 MYRTLE DR
City	LAPEL
State	IN
Zip	46051-9553
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTGOMERY FARMS 0.0000ACRES STR: SECTION: PLAT: IN: OUT:
Legal Subdivision	MONTGOMERY FARMS
Jurisdiction	MADISON IN
Township / Civil Division	STONY CREEK
Census Block Group	1
Census Block	1033
Census Tract	11100

Owner

3155 Myrtle Dr is owned and occupied by an individual.

Source: Madison County records, as of June 23, 2026

Owner of Record	Individual Name on File
Mailing Address	3155 MYRTLE DR, LAPEL, IN 46051-9553
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
Apr 1, 2026	Deed of Trust, Mortgage · Line of Credit FORUM CREDIT UNION
Feb 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage FORUM CU
Sep 16, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE
Apr 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE
Aug 16, 2019	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IN
Recording Date	Apr 1, 2026
Property Address	3155 MYRTLE DR, LAPEL, IN 46051-9553
Document Number	0000004658
Instrument Date	Mar 27, 2026
Instrument	20264658
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3155 MYRTLE DR, LAPEL, IN 46051-9553

Mortgage

Document Number	0000004658,
Date	Apr 1, 2026
Instrument	20264658

Lender

Name	FORUM CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Mar 27, 2041

Interest

Rate	5.44%
Max Rate	-1%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IN
Property Address	3155 MYRTLE DR, LAPEL, IN 46051-9553
Transaction Type	Mortgage
Record Updated	Feb 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022R01949
Date	Feb 1, 2022
Instrument	2022R01949

Lender

Name	FORUM CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 31, 2037

Interest

Rate Type	Fixed Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IN
Property Address	3155 MYRTLE DR, LAPEL, IN 46051-9553
Transaction Type	Mortgage
Record Updated	Oct 6, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R17768
Date	Sep 16, 2021
Instrument	2021R17768

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IN
Property Address	3155 MYRTLE DR, LAPEL, IN 46051-9553
Transaction Type	Mortgage
Record Updated	May 20, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020R05795
Date	Apr 27, 2020
Instrument	2020R05795

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IN
Property Address	3155 MYRTLE DR, LAPEL, IN 46051-9553
Transaction Type	Mortgage
Record Updated	Sep 4, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019R11333
Date	Aug 16, 2019
Instrument	2019R11333

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3155 Myrtle Dr was $2,631 with a homeowner's exemption, down 2.8% from the year before.

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	$2,631.00 (-2.77%) Homeowner's exemption	$289,000 Land $42,700 Building $246,300	$289,000 Land $42,700 Building $246,300
2024	$2,706.00
2023		$247,200 (+7.67%) Land $40,700 Building $206,500	$247,200 (+7.67%) Land $40,700 Building $206,500
2022	$2,296.00 Homeowner's exemption	$229,600 Land $38,300 Building $191,300	$229,600 Land $38,300 Building $191,300

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

Flood

FEMA maps place 3155 Myrtle Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2011.

Source: FEMA National Flood Hazard Layer, effective August 10, 2019 · 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 Claims	2 (2011–2014)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2014 · rainfall accumulation

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 3155 Myrtle Dr is low, with less than 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 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
Also Mapped Here	CITIZENS WATER OF WESTFIELD LLC

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 123 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
Mercury Fiber Fixed Wireless	150 / 20
BridgeMAXX Suncoast Broadband Fixed Wireless	100 / 20

May also be available: Spectrum, Verizon.

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