1118 Ames St, Hammond, IN 46320 Property Records

Lake County property record for 1118 Ames St, Hammond, IN 46320

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,039 sqft · built 1985
Lot Size	0.285 acres (12,458 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,535 (2024)
Deeds & Mortgages	Nov 2025 Line of Credit Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`45-07-06-332-005.000-023`

Property Details

APN / Parcel Number

Primary APN	`45-07-06-332-005.000-023`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,039 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1995
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	12,458 sqft (0.285 acres)
Lot Dimensions	125 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	675 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1118 AMES ST
City	HAMMOND
State	IN
Zip	46320-2704
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MORRIS ADDITION BLOCK 4 LOTS 34 TO 37
Legal Subdivision	MORRIS ADD
Legal Block	4
Legal Lot Number	34
Jurisdiction	LAKE IN
Township / Civil Division	NORTH
Census Block Group	4
Census Block	4015
Census Tract	20800

Owner

Source: Lake County records, as of March 18, 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	1118 AMES ST, HAMMOND, IN 46320-2704
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Sep 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST SAVINGS BANK OF HEGEWISCH

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	1118 AMES ST, HAMMOND, IN 46320-2704
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1118 AMES ST, HAMMOND, IN 46320-2704

Mortgage

Document Number	0000043547
Date	Nov 10, 2025
Instrument	2025-543547

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 30, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	1118 AMES ST, HAMMOND, IN 46320-2704
Transaction Type	Mortgage
Record Updated	Sep 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028417
Date	Sep 17, 2021
Instrument	2021-528417

Lender

Name	FIRST SAVINGS BANK OF HEGEWISCH
Type	Bank
Address	CHICAGO, IL 60633

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 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	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		$216,400 (+15.97%) Land $36,600 Building $179,800	$216,400 (+15.97%) Land $36,600 Building $179,800
2024	$2,535.00 (+8.8%)
2023		$186,600 (+5.42%) Land $40,800 Building $145,800	$186,600 (+5.42%) Land $40,800 Building $145,800
2022	$2,330.00 Homeowner's exemption	$177,000 Land $40,800 Building $136,200	$177,000 Land $40,800 Building $136,200

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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