12786 Monroe St, Crown Point, IN 46307 Property Records

Lake County property record for 12786 Monroe St, Crown Point, IN 46307

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,608 sqft · built 1994
Lot Size	1.17 acres (51,401 sqft)
Owner	Trust Name on File
Tax Bill	$2,866 (2024)
Deeds & Mortgages	Mar 2020 Line of Credit Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`003-03-07-0296-0045`

Property Details

APN / Parcel Number

Primary APN	`003-03-07-0296-0045`
Alternative APNs	`45-16-21-253-010.000-041` `030702960045`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	1 Story
Building Area	1,608 sqft Living Area
Basement Area	1,568 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2002
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	51,401 sqft (1.17 acres)
Terrain	Rolling
Garage Type	Basement
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	003-03-07-0296-0045
Old Parcel Number	030702960045
Street Address	12786 MONROE ST
City	CROWN POINT
State	IN
Zip	46307-9220
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTHWOOD LOT 45
Legal Subdivision	NORTHWOOD
Legal Lot Number	45
Jurisdiction	LAKE IN
Township / Civil Division	CENTER
Census Block Group	1
Census Block	1008
Census Tract	43204

Owner

12786 Monroe St is owner-occupied and held in a trust since May 2020.

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

Owner of Record	Trust Name on File
Mailing Address	12786 MONROE ST, CROWN POINT, IN 46307-9220
Occupancy	Owner Occupied
Owner Type	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
Mar 10, 2020	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK WESTERN MICHIGAN
Mar 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
May 12, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 12, 2020
Transfer Doc	0000025972
Record Updated	Jun 8, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	12786 MONROE ST, CROWN POINT, IN 46307-9220
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016581
Date	Mar 10, 2020
Instrument	2020 016581

Lender

Name	FIFTH THIRD BANK WESTERN MICHIGAN
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Feb 25, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	12786 MONROE ST, CROWN POINT, IN 46307-9220
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016580
Date	Mar 10, 2020
Instrument	2020 016580

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2035

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IN
Recording Date	May 12, 2020
Property Address	12786 MONROE ST, CROWN POINT, IN 46307-9220
Document Number	0000025972
Instrument Date	Feb 5, 2020
Instrument	25972
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	12786 MONROE ST CROWN POINT IN 463079220, CROWN POINT, IN 46307-9220

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
County	Lake County
County Subdivision	Center Township
Unified School District	Crown Point Community School Corporation (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$348,100 Land $68,600 Building $279,500	$348,100 Land $68,600 Building $279,500
2024	$2,866.00
2023		$302,100 (+2.62%) Land $68,600 Building $233,500	$302,100 (+2.62%) Land $68,600 Building $233,500
2022	$2,995.00	$294,400 Land $68,600 Building $225,800	$294,400 Land $68,600 Building $225,800

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

Flood

FEMA maps place 12786 Monroe St in Zone X, an area of minimal flood risk.

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	2 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

Wildfire risk around 12786 Monroe St is low, with 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 96% of the US · lower than 73% of Indiana
Wildfire Likelihood	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	CROWN POINT WATER WORKS serves 30,000 people · EPA ID IN5245008
Water Source	Purchased surface water from INDIANA AMERICAN WATER - NORTHWEST
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 213 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

May also be available: AT&T, T-Mobile.

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