10173 Sumter Ct, Cedar Lake, IN 46303 Property Records

Lake County property record for 10173 Sumter Ct, Cedar Lake, IN 46303

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,464 sqft · built 2019
Lot Size	0.302 acres (13,189 sqft)
Owner	Individual Name on File
Tax Bill	$5,218 (2024)
Deeds & Mortgages	Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`45-15-28-402-029.000-014`

Property Details

APN / Parcel Number

Primary APN	`45-15-28-402-029.000-014`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,464 sqft Living Area
Basement Area	1,264 sqft

Exterior

Year Built	Built 2019
Construction Type	Wood
Roof Material	Other
Lot Area	13,189 sqft (0.302 acres)
Lot Dimensions	109 ft deep x 121 ft wide
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Above-Ground Pool
Pool Area	314 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	10173 SUMTER CT
City	CEDAR LAKE
State	IN
Zip	46303-0730
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTENNIAL SUBDIVISION PHASE 13 LOT 244
Legal Subdivision	CENTENNIAL SUB
Legal Phase	13
Legal Lot Number	244
Jurisdiction	LAKE IN
Township / Civil Division	HANOVER
Census Block Group	2
Census Block	2000
Census Tract	42901

Owner

Source: Lake County records · APN 45-15-28-402-029.000-014

Assessment roll updated July 1, 2025 · Last verified March 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 File
Mailing Address	10173 SUMTER CT, CEDAR LAKE, IN 46303-0730
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 02, 2019
Deed Sale	Jul 02, 2019
Deed Document Number	2019 040060
Record Updated	Jun 08, 2026

July 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Jul 02, 2019
Property Address	10173 SUMTER CT, CEDAR LAKE, IN 46303-0730
Document Number	0000040060
Map Reference	MB 111 PG 91
Instrument Date	Jun 27, 2019
Instrument	2019 040060
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10173 SUMTER COURT, CEDAR LAKE, IN 46303-0730

Mortgage

Document Number	0000040061
Date	Jul 02, 2019
Instrument	2019 040061

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2049

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated July 1, 2025 · Last verified March 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Lake County
County Subdivision	Hanover Township
Municipality	Cedar Lake Town
Unified School District	Hanover Community School Corporation (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$376,200 (-11.73%) Land $77,400 Building $298,800	$376,200 (-11.73%) Land $77,400 Building $298,800
2024	$5,218.00 (+4.78%)
2023		$426,200 (+6.39%) Land $92,000 Building $334,200	$426,200 (+6.39%) Land $92,000 Building $334,200
2022	$4,980.00	$400,600 Land $92,000 Building $308,600	$400,600 Land $92,000 Building $308,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 16, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Low lower than 95% of the US · lower than 68% of Indiana
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 404 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CEDAR LAKE WATER WORKS private · serves 4,600 people
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	15 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Sanitary survey deficiency not corrected Apr 2025
Monitoring and Reporting	51 last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.