413 W 5th St, Lapel, IN 46051 Property Records

Madison County property record for 413 W 5th St, Lapel, IN 46051

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 925 sqft · built 1977
Lot Size	0.169 acres (7,344 sqft)
Owner	2 Individual Names on File
Last Sale	$241,248 (Dec 2025)
Tax Bill	$1,035 (2025)
Deeds & Mortgages	Jun 2007 Mortgage Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-10-28-402-087.000-032`

Property Details

APN / Parcel Number

Primary APN	`48-10-28-402-087.000-032`
Alternative APNs	`00001333186` `3111633`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	925 sqft Living Area
1st Floor Area	925 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1985
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	7,344 sqft (0.169 acres)
Lot Dimensions	108 ft deep x 68 ft wide
Garage Type	Attached
Garage Area	300 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	20 sqft
Patio Area	168 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001333186
Street Address	413 W 5TH ST
City	LAPEL
State	IN
Zip	46051-9602
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EARLE S CASCADDENS 2ND 0.0000ACRES STR: 00000 SECTION: PLAT: 00 IN: OUT:
Legal Subdivision	EARLE S CASCADDENS SECOND ADDITION
Jurisdiction	MADISON IN
Township / Civil Division	STONY CREEK
Census Block Group	3
Census Block	3030
Census Tract	11100

Owner

413 W 5th St is owned and occupied by two individuals who bought it in December 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	16998 HAZEL DELL RD, NOBLESVILLE, IN 46062-6913
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jun 21, 2007	Deed of Trust, Mortgage · Conventional Mortgage BNC MORTGAGE INC
Dec 8, 2025	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2025 · Amount on File
Deed Sale	Dec 8, 2025 · Amount on File
Deed Document Number	202517042
Record Updated	Sep 20, 2026

June 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IN
Property Address	413 W 5TH ST, LAPEL, IN 46051-9602
Transaction Type	Mortgage
Record Updated	Jan 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2007011774
Date	Jun 21, 2007
Instrument	2007011774

Lender

Name	BNC MORTGAGE INC
Type	Subprime Lender
Address	IRVINE, CA 92623

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2037
Prepayment Penalty	00 Months

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IN
Recording Date	Dec 8, 2025
Property Address	413 W 5TH ST, LAPEL, IN 46051-9602
Document Number	2025R17042
Map Reference	PB 11 PG 10
Instrument Date	Dec 5, 2025
Instrument	2025R17042
Transaction Type	Transfer
Record Updated	Jan 30, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	413 W 5TH ST, LAPEL, IN 46051-9602

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 W 5TH ST, LAPEL, IN 46051-9602

Mortgage

Document Number	2025R17043
Date	Dec 8, 2025
Instrument	2025R17043

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 413 W 5th St was $1,035 with a homeowner's exemption, up 7.7% 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	$1,035.00 (+7.7%) Homeowner's exemption	$115,100 (+9.72%) Land $16,500 Building $98,600	$115,100 (+9.72%) Land $16,500 Building $98,600
2024	$961.00 Homeowner's exemption	$104,900 (+9.04%) Land $16,500 Building $88,400	$104,900 (+9.04%) Land $16,500 Building $88,400
2023		$96,200 (+3.44%) Land $15,600 Building $80,600	$96,200 (+3.44%) Land $15,600 Building $80,600
2022	$846.00	$93,000 Land $15,100 Building $77,900	$93,000 Land $15,100 Building $77,900

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

Flood

FEMA maps place 413 W 5th St 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 413 W 5th St 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	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 156 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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