322 Central Ave, Lapel, IN 46051 Property Records

Madison County property record for 322 Central Ave, Lapel, IN 46051

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,092 sqft · built 1956
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$138,900 (Apr 2020)
Tax Bill	$961 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-10-27-300-064.000-032`

Property Details

APN / Parcel Number

Primary APN	`48-10-27-300-064.000-032`
Alternative APNs	`00001332017` `311036`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	1,092 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1965
Construction Type	Wood
Foundation Type	Raised
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	384 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	110 sqft
Patio Area	27 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001332017
Street Address	322 CENTRAL AVE
City	LAPEL
State	IN
Zip	46051-9662
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODWARDS 4TH 0.0000ACRES STR: 00000 SECTION: PLAT: 00 IN: OUT:
Legal Subdivision	WILLIAM WOODWORTHS FOURTH ADDITION
Jurisdiction	MADISON IN
Township / Civil Division	STONY CREEK
Census Block Group	2
Census Block	2046
Census Tract	11100

Owner

322 Central Ave is owned and occupied by an individual who bought it in April 2020.

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

Owner of Record	Individual Name on File
Mailing Address	322 CENTRAL AVE, LAPEL, IN 46051-9662
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
Feb 16, 2024	Deed of Trust, Mortgage · Conventional Mortgage FIRST MERCHANTS BANK NA
Apr 1, 2020	Warranty Deed, Transfer · Conventional Mortgage OPEN MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2020 · Amount on File
Deed Sale	Apr 1, 2020 · Amount on File
Prior Sale	Dec 31, 2008 · Amount on File
Deed Document Number	20204760
Prior Transfer Date	Nov 20, 2017
Prior Transfer Doc	0000017188
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IN
Property Address	322 CENTRAL AVE, LAPEL, IN 46051-9662
Transaction Type	Mortgage
Record Updated	Feb 28, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2024R02194
Date	Feb 16, 2024
Instrument	2024R02194

Lender

Name	FIRST MERCHANTS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 8, 2054

Interest

Rate Type	Adjustable Rate

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IN
Recording Date	Apr 1, 2020
Property Address	322 CENTRAL AVE, LAPEL, IN 46051-9662
Document Number	2020R04760
Instrument Date	Mar 30, 2020
Instrument	2020R04760
Transaction Type	Transfer
Record Updated	Aug 8, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 CENTRAL AVE, LAPEL, IN 46051-9662

Mortgage

Document Number	2020R04761
Date	Apr 1, 2020
Instrument	2020R04761

Lender

Name	OPEN MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 322 Central Ave was $961 with a homeowner's exemption, up 16.1% 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	$961.00 (+16.06%) Homeowner's exemption	$106,800 Land $11,800 Building $95,000	$106,800 Land $11,800 Building $95,000
2024	$828.00
2023		$88,500 (+3.63%) Land $11,200 Building $77,300	$88,500 (+3.63%) Land $11,200 Building $77,300
2022	$784.00	$85,400 Land $10,400 Building $75,000	$85,400 Land $10,400 Building $75,000

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

Flood

FEMA maps place 322 Central Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 322 Central Ave 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 99.1% of the US · lower than 94% of Indiana
Wildfire Likelihood	Under 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	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.

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