634 Central Ave, Lapel, IN 46051 Property Records

Madison County property record for 634 Central Ave, Lapel, IN 46051

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,432 sqft · built 1895
Lot Size	0.167 acres (7,260 sqft)
Owner	Individual Name on File
Tax Bill	$1,550 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Jan 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-10-27-300-049.000-032`

Property Details

APN / Parcel Number

Primary APN	`48-10-27-300-049.000-032`
Alternative APNs	`00001332060` `311062`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,432 sqft Living Area
1st Floor Area	2,432 sqft
Attic	Attic
Attic Area	856 sqft
Basement Area	856 sqft
Unfinished Basement	856 sqft

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1959
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	7,260 sqft (0.167 acres)
Lot Dimensions	132 ft deep x 55 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	200 sqft
Patio Area	304 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001332060
Street Address	634 CENTRAL AVE
City	LAPEL
State	IN
Zip	46051-9510
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 WOODWARDS 4TH ADD
Jurisdiction	MADISON IN
Township / Civil Division	STONY CREEK
Census Block Group	2
Census Block	2046
Census Tract	11100

Owner

634 Central Ave is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	634 CENTRAL AVE, LAPEL, IN 46051-9510
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
Apr 19, 2024	Deed of Trust, Mortgage · Conventional Mortgage FIRST MERCHANTS BANK NA
Jan 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST MERCHANTS BANK NA
Jan 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST MERCHANTS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IN
Property Address	634 CENTRAL AVE, LAPEL, IN 46051-9510
Transaction Type	Mortgage
Record Updated	May 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2024R05178
Date	Apr 19, 2024
Instrument	2024R05178

Lender

Name	FIRST MERCHANTS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2044

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IN
Property Address	634 CENTRAL AVE, LAPEL, IN 46051-9510
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019R00336
Date	Jan 8, 2019
Instrument	2019R00336

Lender

Name	FIRST MERCHANTS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 31, 2048

Interest

Rate Type	Adjustable Rate

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IN
Property Address	634 CENTRAL AVE, LAPEL, IN 46051-9510
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019R00335
Date	Jan 8, 2019
Instrument	2019R00335

Lender

Name	FIRST MERCHANTS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	192 Months
Due	Jan 19, 2034

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 634 Central Ave was $1,550 with a homeowner's exemption, down 0.3% 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	$1,550.00 (-0.32%) Homeowner's exemption	$172,300 Land $7,900 Building $164,400	$172,300 Land $7,900 Building $164,400
2024	$1,555.00
2023		$141,500 (+6.39%) Land $7,500 Building $134,000	$141,500 (+6.39%) Land $7,500 Building $134,000
2022	$1,330.00 Homeowner's exemption	$133,000 Land $6,900 Building $126,100	$133,000 Land $6,900 Building $126,100

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

Flood

FEMA maps place 634 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

The area around 634 Central Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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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