1028 Spruce St, Hammond, IN 46324 Property Records

Lake County property record for 1028 Spruce St, Hammond, IN 46324

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,560 sqft · built 1949
Lot Size	0.117 acres (5,080 sqft)
Owner	Individual Name on File
Last Sale	$94,400 (Nov 2020)
Tax Bill	$1,570 (2024)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`45-07-07-178-022.000-023`

Property Details

APN / Parcel Number

Primary APN	`45-07-07-178-022.000-023`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,560 sqft Living Area
Gross Area	2,340 sqft
1st Floor Area	780 sqft
Attic	Attic
Attic Area	780 sqft
Basement Area	780 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1985
Construction Type	Frame
Roof Material	Asphalt
Lot Area	5,080 sqft (0.117 acres)
Lot Dimensions	127 ft deep x 40 ft wide
View / Lot	Alley
Garage Type	Detached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1028 SPRUCE ST
City	HAMMOND
State	IN
Zip	46324-1633
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLUMBIA GARDENS BL.5 W.40FT. OF LOT 3 EX. S.10FT.
Legal Subdivision	COLUMBIA GARDENS
Legal Block	5
Legal Lot Number	3
Jurisdiction	LAKE IN
Township / Civil Division	NORTH
Census Block Group	4
Census Block	4010
Census Tract	21400

Owner

1028 Spruce St is owned and occupied by an individual who bought it in November 2020.

Source: Lake County records, as of December 29, 2025

Owner of Record	Individual Name on File
Mailing Address	1028 SPRUCE ST, HAMMOND, IN 46324-1633
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2020 · Amount on File
Deed Sale	Nov 20, 2020 · Amount on File
Prior Sale	Jun 13, 2012
Deed Document Number	202085523
Record Updated	Sep 20, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Nov 20, 2020
Property Address	1028 SPRUCE ST, HAMMOND, IN 46324-1633
Document Number	0000085523
Map Reference	MB 15 PG 2
Instrument Date	Nov 16, 2020
Instrument	2020-085523
Transaction Type	Transfer
Record Updated	Aug 8, 2022
Title Company	COMMUNITY TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1028 SPRUCE ST, HAMMOND, IN 46324-1633

Mortgage

Document Number	0000085524
Date	Nov 20, 2020
Instrument	2020-085524

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Mortgage

Document Number	0000085525
Date	Nov 20, 2020
Instrument	2020-085525

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

Source: Lake County assessment roll, as of December 29, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	Lake County
County Subdivision	North Township
Municipality	Hammond City
Unified School District	Hammond School City (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$141,200 Land $22,600 Building $118,600	$141,200 Land $22,600 Building $118,600
2024	$1,570.00
2023		$115,500 (+6.45%) Land $21,800 Building $93,700	$115,500 (+6.45%) Land $21,800 Building $93,700
2022	$1,345.00 Homeowner's exemption	$108,500 Land $21,800 Building $86,700	$108,500 Land $21,800 Building $86,700

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

Flood

FEMA maps place 1028 Spruce St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 16, 2024

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 1028 Spruce St 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	HAMMOND WATER WORKS DEPARTMENT serves 78,384 people · EPA ID IN5245020
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2020
Monitoring and Reporting	5 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 673 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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