426 S Walnut St, Lapel, IN 46051 Property Records

Madison County property record for 426 S Walnut St, Lapel, IN 46051

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,008 sqft · built 1960
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,106 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Sep 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-10-28-401-074.000-032`

Property Details

APN / Parcel Number

Primary APN	`48-10-28-401-074.000-032`
Alternative APNs	`00001333258` `31994`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	255 sqft
Unfinished Basement	255 sqft

Exterior

Year Built	Built 1960
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	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	316 sqft
Patio Area	56 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001333258
Street Address	426 S WALNUT ST
City	LAPEL
State	IN
Zip	46051-5553
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODWARDS 2ND 0.0000ACRES STR: 00000 SECTION: PLAT: 00 IN: OUT:
Legal Subdivision	WILLIAM WOODWARDS 2ND ADD
Jurisdiction	MADISON IN
Township / Civil Division	STONY CREEK
Census Block Group	3
Census Block	3029
Census Tract	11100

Owner

426 S Walnut St is owned and occupied by two individuals who acquired it in September 2025.

Source: Madison County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	426 S WALNUT ST, LAPEL, IN 46051-5553
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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
Dec 7, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Sep 25, 2025	Limited Warranty Deed, Transfer UNKNOWN, FWN
Jan 18, 2022	Warranty Deed, Transfer · Commercial Mortgage JACKSON COUNTY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2025
Deed Sale	Sep 25, 2025
Prior Sale	Jan 18, 2022 · Amount on File
Deed Document Number	202513375
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IN
Property Address	426 S WALNUT ST, LAPEL, IN 46051-5553
Transaction Type	Mortgage
Record Updated	Oct 24, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017R17145
Date	Dec 7, 2017
Instrument	2017R17145

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2047

Interest

Rate Type	Fixed Rate

September 2025: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	MADISON IN
Recording Date	Sep 25, 2025
Property Address	426 S WALNUT ST, LAPEL, IN 46051-5553
Document Number	2025R13375
Map Reference	PB 3 PG 69
Instrument Date	Sep 24, 2025
Instrument	2025R13375
Transaction Type	Transfer
Record Updated	Oct 24, 2025
Title Company	UNKNOWN, FWN

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 S WALNUT ST, LAPEL, IN 46051-5553

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IN
Recording Date	Jan 18, 2022
Property Address	426 S WALNUT ST, LAPEL, IN 46051-5553
Document Number	2022R01043
Map Reference	BK 3 PG 69
Instrument Date	Jan 14, 2022
Instrument	2022R01043
Transaction Type	Transfer
Record Updated	Oct 24, 2025

Transaction

Amount	Amount 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	121 W 12TH ST, LAPEL, IN 46051-9652
Investor	Possibly a Property Investor

Mortgage

Document Number	2022R01044
Date	Jan 18, 2022
Instrument	2022R01044

Lender

Name	JACKSON COUNTY BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 426 S Walnut St was $1,106, down 50.7% 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	$1,106.00 (-50.67%)	$122,900 (+9.63%) Land $20,100 Building $102,800	$122,900 (+9.63%) Land $20,100 Building $102,800
2024	$2,242.00	$112,100 (+9.26%) Land $20,100 Building $92,000	$112,100 (+9.26%) Land $20,100 Building $92,000
2023		$102,600 (+0.69%) Land $19,100 Building $83,500	$102,600 (+0.69%) Land $19,100 Building $83,500
2022	$1,024.00	$101,900 Land $18,400 Building $83,500	$101,900 Land $18,400 Building $83,500

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

Flood

FEMA maps place 426 S Walnut 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 426 S Walnut 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	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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