625 Central Ave, Lapel, IN 46051 Property Records

Madison County property record for 625 Central Ave, Lapel, IN 46051

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,350 sqft · built 1910
Lot Size	0.083 acres (3,630 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Feb 2023)
Tax Bill	$834 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Feb 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-1065-0-1`

Property Details

APN / Parcel Number

Primary APN	`31-1065-0-1`
Alternative APNs	`48-10-27-300-039.000-032` `00001332069`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,350 sqft Living Area
1st Floor Area	1,350 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1960
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	3,630 sqft (0.083 acres)
Lot Dimensions	66 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	264 sqft
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001332069
Street Address	625 CENTRAL AVE
City	LAPEL
State	IN
Zip	46051-9510
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODWARDS 4TH E2 0.0000ACRES STR: 00000 SECTION: PLAT: 00 IN: OUT:
Legal Subdivision	WILLIAM WOODWARDS 4TH ADD
Jurisdiction	MADISON IN
Township / Civil Division	STONY CREEK
Census Block Group	3
Census Block	3000
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	625 CENTRAL AVE, LAPEL, IN 46051-9510
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST MERCHANTS BANK NA
Feb 7, 2023	Warranty Deed, Transfer · Conventional Mortgage GATEWAY FIRST BANK
Oct 16, 2020	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2023 · Amount on Record
Deed Sale	Feb 7, 2023 · Amount on Record
Prior Sale	Oct 16, 2020
Deed Document Number	20231806
Prior Transfer Date	Jul 7, 2014
Prior Transfer Doc	2016R06109
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IN
Property Address	625 CENTRAL AVE, LAPEL, IN 46051-9510
Transaction Type	Mortgage
Record Updated	Apr 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R01322
Date	Jan 26, 2021
Instrument	2021R01322

Lender

Name	FIRST MERCHANTS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 15, 2051

Interest

Rate Type	Adjustable Rate

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IN
Recording Date	Feb 7, 2023
Property Address	625 CENTRAL AVE, LAPEL, IN 46051-9510
Document Number	2023R01806
Map Reference	BK 5 PG 77
Instrument Date	Jan 29, 2023
Instrument	2023R01806
Transaction Type	Transfer
Record Updated	Apr 21, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	625 CENTRAL AVE, LAPEL, IN 46051-9510

Mortgage

Document Number	2023R01807
Date	Feb 7, 2023
Instrument	2023R01807

Lender

Name	GATEWAY FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON IN
Recording Date	Oct 16, 2020
Property Address	625 CENTRAL AVE, LAPEL, IN 46051-9510
Document Number	2020R15649
Map Reference	BK 5 PG 77
Instrument Date	Oct 10, 2020
Instrument	2020R15649
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	625 CENTRAL AVE, LAPEL, IN 46051-9510

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	$834.00 (+26.94%) Homeowner's exemption	$96,600 (+21.36%) Land $7,100 Building $89,500	$96,600 (+21.36%) Land $7,100 Building $89,500
2024	$657.00 (+14.86%)
2023		$79,600 (+0.63%) Land $6,700 Building $72,900	$79,600 (+0.63%) Land $6,700 Building $72,900
2022	$572.00	$79,100 Land $6,200 Building $72,900	$79,100 Land $6,200 Building $72,900

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

Flood

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	Not rated no burnable land within 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 479 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: AT&T, Spectrum, T-Mobile, Verizon.

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