975 Vine St, Lapel, IN 46051 Property Records

Madison County property record for 975 Vine St, Lapel, IN 46051

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,276 sqft · built 1930
Lot Size	0.27 acres (11,748 sqft)
Owner	Individual Name on File
Last Sale	$430,000 (Jul 2021)
Tax Bill	$1,861 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-10-28-104-041.000-032`

Property Details

APN / Parcel Number

Primary APN	`48-10-28-104-041.000-032`
Alternative APNs	`00001331154` `318721`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	1 Room
Stories	1 Story
Building Area	2,276 sqft Living Area
1st Floor Area	2,276 sqft
Upper Floors Area	1,082 sqft
Basement Area	270 sqft
Unfinished Basement	270 sqft
Family Room	Family Room

Exterior

Year Built	Built 1930
Effective Year Built	Effective 2000
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	11,748 sqft (0.27 acres)
Lot Dimensions	132 ft deep x 89 ft wide
Porch	Porch
Porch Area	216 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001331154
Street Address	975 VINE ST
City	LAPEL
State	IN
Zip	46051-9645
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODWARD BROS 1ST PT 0.0000ACRES STR: 00000 SECTION: PLAT: 00 IN: OUT:
Legal Subdivision	WOODWARD BROTHERS ADD 01
Jurisdiction	MADISON IN
Township / Civil Division	STONY CREEK
Census Block Group	2
Census Block	2009
Census Tract	11100

Owner

975 Vine St is owned and occupied by an individual who bought it in July 2021.

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

Owner of Record	Individual Name on File
Mailing Address	975 VINE ST, LAPEL, IN 46051-9645
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
Jul 9, 2021	Warranty Deed, Transfer · VA Mortgage FIRST FINANCIAL BANK NA
Jun 17, 2020	Quit Claim Deed, Transfer · Commercial Mortgage BRIDGEWELLS CAPITAL LLC
Mar 31, 2017	Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2021 · Amount on File
Deed Sale	Jul 9, 2021 · Amount on File
Prior Sale	Jun 17, 2020 · Amount on File
Deed Document Number	202112832
Record Updated	Sep 20, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IN
Recording Date	Jul 9, 2021
Property Address	975 VINE ST, LAPEL, IN 46051-9645
Document Number	2021R12832
Map Reference	BK 5 PG 116
Instrument Date	Jul 8, 2021
Instrument	2021R12832
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	975 VINE ST, LAPEL, IN 46051-9645

Mortgage

Document Number	2021R12833
Date	Jul 9, 2021
Instrument	2021R12833

Lender

Name	FIRST FINANCIAL BANK NA

Agreement

Type	VA Mortgage
Amount	Amount on Record

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MADISON IN
Recording Date	Jun 17, 2020
Property Address	975 VINE ST, LAPEL, IN 46051-9645
Document Number	2020R08328
Map Reference	PB 5 PG 116
Instrument Date	May 29, 2020
Instrument	2020R08328
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	922 N MAIN ST, LAPEL, IN 46051-5537

Mortgage

Document Number	2020R08329
Date	Jun 17, 2020
Instrument	2020R08329

Lender

Name	BRIDGEWELLS CAPITAL LLC

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON IN
Recording Date	Mar 31, 2017
Property Address	975 VINE ST, LAPEL, IN 46051-9645
Document Number	2017R04270
Map Reference	PB5 PG116
Instrument Date	Mar 30, 2017
Instrument	2017R04270
Transaction Type	Transfer
Record Updated	Jun 9, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

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	PO BOX 191, LAPEL, IN 46051-0191

Tax Assessment & Valuation

The 2025 property tax bill for 975 Vine St was $1,861 with a homeowner's exemption, down 4.7% 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	$1,861.00 (-4.66%) Homeowner's exemption	$206,800 Land $17,800 Building $189,000	$206,800 Land $17,800 Building $189,000
2024	$1,952.00
2023		$178,200 (+4.95%) Land $16,900 Building $161,300	$178,200 (+4.95%) Land $16,900 Building $161,300
2022	$1,698.00	$169,800 Land $11,900 Building $157,900	$169,800 Land $11,900 Building $157,900

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

Flood

FEMA maps place 975 Vine 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 975 Vine 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 97% of the US · lower than 78% 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 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.

Nearby Properties on Vine St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures