12781 W 87th Ave, Saint John, IN 46373 Property Records

Lake County property record for 12781 W 87th Ave, Saint John, IN 46373

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,340 sqft · built 1990
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on Record
Tax Bill	$3,126 (2024)
Deeds & Mortgages	Jul 2020 Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`009-22-12-0128-0035`

Property Details

APN / Parcel Number

Primary APN	`009-22-12-0128-0035`
Alternative APNs	`45-11-29-151-001.000-035` `221201280035`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,340 sqft Living Area
Basement Area	1,260 sqft
Family Room	Family Room

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1995
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	17,860 sqft (0.41 acres)
Lot Dimensions	185 ft deep x 96 ft wide
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	009-22-12-0128-0035
Old Parcel Number	221201280035
Street Address	12781 W 87TH AVE
City	SAINT JOHN
State	IN
Zip	46373-9357
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUN MEADOWS UNIT 1 LOT #35
Legal Subdivision	SUN MEADOW UNIT 1
Legal Lot Number	35
Jurisdiction	LAKE IN
Township / Civil Division	ST. JOHN
Census Block Group	2
Census Block	2005
Census Tract	42613

Owner

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 Record
Mailing Address	12781 W 87TH AVE, SAINT JOHN, IN 46373-9357
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2020	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jun 17, 2019	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jul 28, 2017	Deed of Trust, Mortgage · Line of Credit CENTIER BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2019
Deed Sale	Jun 17, 2019
Deed Document Number	2019 036056
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	12781 W 87TH AVE, SAINT JOHN, IN 46373-9357
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TTL OF OR

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048744
Date	Jul 30, 2020
Instrument	2020 048744

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE IN
Recording Date	Jun 17, 2019
Property Address	12781 W 87TH AVE, SAINT JOHN, IN 46373-9357
Document Number	0000036056
Map Reference	MB 67 PG 27
Instrument Date	Jun 13, 2019
Instrument	2019 036056
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	CHICAGO TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12781 W 87TH AVE, SAINT JOHN, IN 46373-9357

Mortgage

Document Number	0000036057
Date	Jun 17, 2019
Instrument	2019 036057

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	12781 W 87TH AVE, SAINT JOHN, IN 46373-9357
Document Number	0000049050
Instrument Date	Jul 28, 2017
Transaction Type	Mortgage
Record Updated	Aug 17, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	12781 W 87TH AVE ST JOHN IN 463739357, ST JOHN, IN 46373-9357

Mortgage

Document Number	0000049050
Date	Aug 7, 2017
Instrument	49050

Lender

Name	CENTIER BK
Type	Bank
Address	MERRILLVILLE, IN 46410

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 6, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$425,500 (+27.97%) Land $78,900 Building $346,600	$425,500 (+27.97%) Land $78,900 Building $346,600
2024	$3,126.00 (+1.66%)
2023		$332,500 (+8.27%) Land $78,900 Building $253,600	$332,500 (+8.27%) Land $78,900 Building $253,600
2022	$3,075.00	$307,100 Land $78,900 Building $228,200	$307,100 Land $78,900 Building $228,200

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 · 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
Nearby Flood Policies	1 in force

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

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	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 241 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, Verizon.

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