435 Central Ave, Lapel, IN 46051 Property Records

Madison County property record for 435 Central Ave, Lapel, IN 46051

Property Summary

Property Type	Residential
Details	built 1980
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Tax Bill	$242 (2025)
Deeds & Mortgages	Jun 2018 Mortgage May 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`48-10-27-300-031.000-032`

Property Details

APN / Parcel Number

Primary APN	`48-10-27-300-031.000-032`
Alternative APNs	`00001330595` `311043`

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Shed	1 Shed
Shed Area	80 sqft

Location & Zoning

Account Number	00001330595
Street Address	435 CENTRAL AVE
City	LAPEL
State	IN
Zip	46051-9508
Property Category	Residential
Property Type	Residential > Specialized > Other
Legal Description	WOODWARDS 4TH 0.0000ACRES STR: 00000 SECTION: PLAT: 00 IN: OUT:
Legal Subdivision	WM WOODWARDS 4TH ADD
Jurisdiction	MADISON IN
Township / Civil Division	STONY CREEK
Census Block Group	3
Census Block	3028
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	435 CENTRAL AVE, LAPEL, IN 46051-9508
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
May 30, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Dec 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Nov 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage GVC MORTGAGE
Jul 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage TEACHERS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2015
Deed Sale	May 12, 2015
Deed Document Number	20156360
Record Updated	Sep 20, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IN
Property Address	435 CENTRAL AVE, LAPEL, IN 46051-9508
Transaction Type	Mortgage
Record Updated	Dec 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2018R07726
Date	Jun 13, 2018
Instrument	2018R07726

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

Interest

Rate Type	Fixed Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IN
Property Address	435 CENTRAL AVE, LAPEL, IN 46051-9508
Transaction Type	Mortgage
Record Updated	Dec 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019R07247
Date	May 30, 2019
Instrument	2019R07247

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2034

Interest

Rate Type	Fixed Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IN
Property Address	435 CENTRAL AVE, LAPEL, IN 46051-9508
Transaction Type	Mortgage
Record Updated	Dec 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019R17302
Date	Dec 6, 2019
Instrument	2019R17302

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

Interest

Rate Type	Fixed Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IN
Property Address	435 CENTRAL AVE, LAPEL, IN 46051-9508
Transaction Type	Mortgage
Record Updated	Dec 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2020R16823
Date	Nov 4, 2020
Instrument	2020R16823

Lender

Name	GVC MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IN
Property Address	435 CENTRAL AVE, LAPEL, IN 46051-9508
Transaction Type	Mortgage
Record Updated	Dec 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2021R12757
Date	Jul 8, 2021
Instrument	2021R12757

Lender

Name	TEACHERS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 8, 2036

Interest

Rate Type	Fixed 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	$242.00 (-0.82%)	$12,100 (+5.22%) Land $11,800 Building $300	$12,100 (+5.22%) Land $11,800 Building $300
2024	$244.00 (-23.51%)
2023		$11,500 (+7.48%) Land $11,200 Building $300	$11,500 (+7.48%) Land $11,200 Building $300
2022	$319.00	$10,700 Land $10,400 Building $300	$10,700 Land $10,400 Building $300

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 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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