10440 Pine Ln, Saint John, IN 46373 Property Records

Lake County property record for 10440 Pine Ln, Saint John, IN 46373

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,390 sqft · built 2021
Lot Size	0.48 acres (20,910 sqft)
Owner	2 Trust Names on File
Last Sale	$436,235 (Aug 2021)
Tax Bill	$5,429 (2024)
Deeds & Mortgages	Jul 2023 Transfer Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`45-15-03-302-001.000-015`

Property Details

APN / Parcel Number

Primary APN	`45-15-03-302-001.000-015`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,390 sqft Living Area
Basement Area	1,998 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Roof Material	Other
Lot Area	20,910 sqft (0.48 acres)
Lot Dimensions	246 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	682 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	10440 PINE LN
City	SAINT JOHN
State	IN
Zip	46373-7032
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE GATES OF ST JOHN UNIT 10M LOT 109
Legal Lot Number	109
Jurisdiction	LAKE IN
Township / Civil Division	HANOVER
Census Block Group	1
Census Block	1017
Census Tract	42904

Owner

10440 Pine Ln is owner-occupied and held in a trust since July 2023.

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

Owner of Record	2 Trust Names on File
Co-owner	Co-owner on File
Mailing Address	10440 PINE LN, SAINT JOHN, IN 46373-7032
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

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 24, 2023	Intrafamily Transfer, Transfer
Aug 12, 2021	Limited Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LENNAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Aug 12, 2021 · Amount on File
Deed Sale	Aug 12, 2021 · Amount on File
Prior Sale	Aug 12, 2021 · Amount on File
Deed Document Number	0000022565
Last Transfer Date	Jul 24, 2023
Transfer Doc	0000018728
Record Updated	Jun 8, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE IN
Recording Date	Jul 24, 2023
Property Address	10440 PINE LN, SAINT JOHN, IN 46373-7032
Document Number	0000018728
Map Reference	DOC 2018063419
Instrument Date	Jul 17, 2023
Instrument	2023-018728
Transaction Type	Transfer
Record Updated	Aug 15, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10440 PINE LN, SAINT JOHN, IN 46373-7032

August 2021: Limited Warranty Deed, Subdivision Related Transfer

Document Type	Limited Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Aug 12, 2021
Property Address	10440 PINE LN, SAINT JOHN, IN 46373-7032
Document Number	0000022565
Map Reference	DOC 20180063419
Instrument Date	Aug 11, 2021
Instrument	2021-522565
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 20, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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
Address	1141 IN STREET #108108, 108108, DUNDEE, IL 60118

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	176715 WRIGHT STREET, LANSING, IL 60438

Mortgage

Document Number	0000022566
Date	Aug 12, 2021
Instrument	2021-522566

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$573,300 Land $110,000 Building $463,300	$573,300 Land $110,000 Building $463,300
2024	$5,429.00
2023		$478,400 (+12.51%) Land $95,100 Building $383,300	$478,400 (+12.51%) Land $95,100 Building $383,300
2022	$5,175.00 (+1,353.65%)	$425,200 Land $86,500 Building $338,700	$425,200 Land $86,500 Building $338,700
2021	$356.00

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

Flood

FEMA maps place 10440 Pine Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.

Source: FEMA National Flood Hazard Layer, effective October 16, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2026 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding

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.

Wildfire

Wildfire risk around 10440 Pine Ln 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 98% of the US · lower than 85% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	ST. JOHN MUNICIPAL WATER UTILITY serves 25,700 people · EPA ID IN5245043
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 244 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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