1038 Ames St, Hammond, IN 46320 Property Records

Lake County property record for 1038 Ames St, Hammond, IN 46320

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,613 sqft · built 1920
Lot Size	0.109 acres (4,750 sqft)
Owner	Individual Name on File
Tax Bill	$1,395 (2024)
Deeds & Mortgages	Jun 2022 Line of Credit May 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`007-26-35-0102-0036`

Property Details

APN / Parcel Number

Primary APN	`007-26-35-0102-0036`
Alternative APNs	`45-07-06-329-013.000-023` `263501020036`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,613 sqft Living Area
Basement Area	803 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1990
Construction Type	Wood
Roof Material	Asphalt
Lot Area	4,750 sqft (0.109 acres)
Lot Dimensions	125 ft deep x 38 ft wide
Garage Type	Detached
Garage Area	696 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	007-26-35-0102-0036
Old Parcel Number	263501020036
Street Address	1038 AMES ST
City	HAMMOND
State	IN
Zip	46320-2732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MORRIS ADD. L.35 BL.5 W.1/2 L.34 BL.5
Legal Subdivision	MORRIS ADD
Legal Block	5
Legal Lot Number	35
Jurisdiction	LAKE IN
Township / Civil Division	NORTH
Census Block Group	4
Census Block	4014
Census Tract	20800

Owner

1038 Ames St is owned and occupied by an individual who acquired it in May 2021.

Source: Lake County records, as of March 18, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1038 AMES ST, HAMMOND, IN 46320-2732
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2022	Deed of Trust, Mortgage · Line of Credit FIRST MERCHANTS BANK
May 7, 2021	Intrafamily Transfer, Transfer
May 7, 2021	Affidavit, Transfer
Dec 4, 2020	Correction Deed NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Prior Sale	Sep 17, 2009
Last Transfer Date	May 7, 2021
Transfer Doc	0000035832
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	1038 AMES ST, HAMMOND, IN 46320-2732
Transaction Type	Mortgage
Record Updated	Jul 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1038 AMES ST, HAMMOND, IN 46320-2732

Mortgage

Document Number	0000026074
Date	Jun 24, 2022
Instrument	2022-526074

Lender

Name	FIRST MERCHANTS BANK
Type	Bank
Address	HAMMOND, IN 46320

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 16, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE IN
Recording Date	May 7, 2021
Property Address	1038 AMES ST, HAMMOND, IN 46320-2732
Document Number	0000035832
Map Reference	MB 6 PG 22
Instrument Date	Apr 1, 2021
Instrument	2021-035832
Transaction Type	Transfer
Record Updated	May 17, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4416 RAINTREE RD, 4416, INDIANAPOLIS, IN 46234-3769

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1038 AMES ST, HAMMOND, IN 46320-2732

May 2021: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	LAKE IN
Recording Date	May 7, 2021
Property Address	1038 AMES ST, HAMMOND, IN 46320-2732
Document Number	0000035831
Instrument Date	Mar 23, 2021
Instrument	2021-035831
Transaction Type	Transfer
Record Updated	May 17, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1028 AMES ST, HAMMOND, IN 46320-2732
Investor	Possibly a Property Investor

December 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	LAKE IN
Recording Date	Dec 4, 2020
Property Address	1038 AMES ST, HAMMOND, IN 46320-2732
Document Number	0000089062
Instrument	89062
Record Updated	Dec 18, 2020
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 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		$137,300 Land $20,200 Building $117,100	$137,300 Land $20,200 Building $117,100
2024	$1,395.00
2023		$102,500 (+5.89%) Land $22,500 Building $80,000	$102,500 (+5.89%) Land $22,500 Building $80,000
2022	$2,594.00	$96,800 Land $22,500 Building $74,300	$96,800 Land $22,500 Building $74,300

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

Flood

FEMA maps place 1038 Ames 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 1038 Ames 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 491 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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