724 Central Ave, Lapel, IN 46051 Property Records

Madison County property record for 724 Central Ave, Lapel, IN 46051

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,388 sqft · built 1920
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$245,119 (Oct 2025)
Tax Bill	$1,353 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-10-27-200-031.000-032`

Property Details

APN / Parcel Number

Primary APN	`48-10-27-200-031.000-032`
Alternative APNs	`00001331073` `311076`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,388 sqft Living Area
1st Floor Area	1,388 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1985
Construction Type	Wood
Foundation Type	No Foundation
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	875 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	368 sqft
Patio Area	284 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001331073
Street Address	724 CENTRAL AVE
City	LAPEL
State	IN
Zip	46051-9638
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODWARDS 4TH 0.0000ACRES STR: 00000 SECTION: PLAT: 00 IN: OUT:
Legal Subdivision	WOODWARDS FOURTH ADDITION
Jurisdiction	MADISON IN
Township / Civil Division	STONY CREEK
Census Block Group	2
Census Block	2046
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	724 CENTRAL AVE, LAPEL, IN 46051-9638
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2025	Warranty Deed, Transfer · Conventional Mortgage ELEMENTS FINANCIAL FCU
Dec 23, 2021	Warranty Deed, Transfer · Conventional Mortgage ROYAL UNITED MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 9, 2025 · Amount on Record
Deed Sale	Oct 9, 2025 · Amount on Record
Prior Sale	Dec 23, 2021 · Amount on Record
Deed Document Number	202514118
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IN
Recording Date	Oct 9, 2025
Property Address	724 CENTRAL AVE, LAPEL, IN 46051-9638
Document Number	2025R14118
Map Reference	PB 5 PG 77
Instrument Date	Sep 29, 2025
Instrument	2025R14118
Transaction Type	Transfer
Record Updated	Nov 7, 2025
Title Company	FIRST AMERICAN TITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	724 CENTRAL AVE, LAPEL, IN 46051-9638

Mortgage

Document Number	2025R14119
Date	Oct 9, 2025
Instrument	2025R14119

Lender

Name	ELEMENTS FINANCIAL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IN
Recording Date	Dec 23, 2021
Property Address	724 CENTRAL AVE, LAPEL, IN 46051-9638
Document Number	2021R24679
Map Reference	BK 5 PG 77
Instrument Date	Dec 21, 2021
Instrument	2021R24679
Transaction Type	Transfer
Record Updated	Nov 7, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	724 CENTRAL AVE, LAPEL, IN 46051-9638
Investor	Possibly a Property Investor

Mortgage

Document Number	2021R24680
Date	Dec 23, 2021
Instrument	2021R24680

Lender

Name	ROYAL UNITED MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$1,353.00 (-0.37%) Homeowner's exemption	$150,400 (+10.75%) Land $11,800 Building $138,600	$150,400 (+10.75%) Land $11,800 Building $138,600
2024	$1,358.00 (+12.14%) Homeowner's exemption	$135,800 (+9.69%) Land $11,800 Building $124,000	$135,800 (+9.69%) Land $11,800 Building $124,000
2023		$123,800 (+1.98%) Land $11,200 Building $112,600	$123,800 (+1.98%) Land $11,200 Building $112,600
2022	$1,211.00 Homeowner's exemption	$121,400 Land $8,300 Building $113,100	$121,400 Land $8,300 Building $113,100

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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