1108 Ames St, Hammond, IN 46320 Property Records

Lake County property record for 1108 Ames St, Hammond, IN 46320

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,958 sqft · built 1995
Lot Size	0.362 acres (15,750 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,964 (2024)
Deeds & Mortgages	Dec 2022 Mortgage Aug 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`007-26-35-0101-0030`

Property Details

APN / Parcel Number

Primary APN	`007-26-35-0101-0030`
Alternative APNs	`45-07-06-332-002.000-023` `263501010030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,958 sqft Living Area
Gross Area	3,420 sqft
1st Floor Area	1,479 sqft
Family Room	Family Room

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Construction Type	Frame
Roof Material	Asphalt
Lot Area	15,750 sqft (0.362 acres)
Lot Dimensions	125 ft deep x 126 ft wide
View / Lot	Extra Front
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1108 AMES ST
City	HAMMOND
State	IN
Zip	46320-2704
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MORRIS ADD. BL.4 LOTS 29,30,31,32 & 33
Legal Subdivision	MORRIS ADD
Legal Block	4
Legal Lot Number	29,30
Jurisdiction	LAKE IN
Township / Civil Division	NORTH
Census Block Group	4
Census Block	4015
Census Tract	20800

Owner

Source: Lake County records, as of October 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1108 AMES ST, HAMMOND, IN 46320-2704
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage THE HOME LOAN EXPERT LLC
Aug 2, 2021	Transfer on Death Deed, Transfer
Aug 2, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 26, 2021
Transfer Doc	0000049848
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	1108 AMES ST, HAMMOND, IN 46320-2704
Transaction Type	Mortgage
Record Updated	Jan 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1108 AMES ST, HAMMOND, IN 46320-2704

Mortgage

Document Number	0000041831
Date	Dec 21, 2022
Instrument	2022-041831

Lender

Name	THE HOME LOAN EXPERT LLC
Type	Mortgage Company
Address	SAINT LOUIS, MO 63144

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

August 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LAKE IN
Recording Date	Aug 2, 2021
Property Address	1108 AMES ST, HAMMOND, IN 46320-2704
Document Number	0000049847
Instrument Date	Jul 13, 2021
Instrument	2021-049847
Transaction Type	Transfer
Record Updated	Aug 12, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1108 AMES ST, HAMMOND, IN 46320-2704

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE IN
Recording Date	Aug 2, 2021
Property Address	1108 AMES ST, HAMMOND, IN 46320-2704
Document Number	0000049848
Instrument Date	Jul 13, 2021
Instrument	2021-049848
Transaction Type	Transfer
Record Updated	Aug 12, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1108 AMES ST, HAMMOND, IN 46320-2704

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		$168,000 (+17.48%) Land $42,100 Building $125,900	$168,000 (+17.48%) Land $42,100 Building $125,900
2024	$1,964.00 (+10.84%)
2023		$143,000 (+4.61%) Land $47,300 Building $95,700	$143,000 (+4.61%) Land $47,300 Building $95,700
2022	$1,772.00	$136,700 Land $47,300 Building $89,400	$136,700 Land $47,300 Building $89,400

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

Flood

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

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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