1296 Flagstone Dr, Dyer, IN 46311 Property Records

Lake County property record for 1296 Flagstone Dr, Dyer, IN 46311

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,392 sqft · built 2007
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Tax Bill	$4,794 (2024)
Deeds & Mortgages	Jul 2023 Line of Credit Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`009-12-14-0457-0033`

Property Details

APN / Parcel Number

Primary APN	`009-12-14-0457-0033`
Alternative APN	`45-11-07-404-010.000-034`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,392 sqft Living Area
Basement Area	1,693 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	150 ft deep x 87 ft wide
Garage Type	Attached
Garage Area	697 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	009-12-14-0457-0033
Street Address	1296 FLAGSTONE DR
City	DYER
State	IN
Zip	46311-2290
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEARTHSTONE SUBDIVISION PHASE 3 LOT 127
Legal Subdivision	HEARTHSTONE
Legal Phase	3
Legal Lot Number	127
Jurisdiction	LAKE IN
Township / Civil Division	ST. JOHN
Census Block Group	2
Census Block	2008
Census Tract	42804

Owner

1296 Flagstone Dr is owned and occupied by an individual who acquired it in June 2007.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1296 FLAGSTONE DR, DYER, IN 46311-2290
Occupancy	Owner Occupied
Owner Type	Individual

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 26, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA
Sep 25, 2019	Deed of Trust, Mortgage · FHA Mortgage WINTRUST MORTGAGE
Mar 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2007
Deed Sale	Jun 25, 2007
Deed Document Number	2007 051276
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	1296 FLAGSTONE DR, DYER, IN 46311-2290
Transaction Type	Mortgage
Record Updated	Aug 15, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1296 FLAGSTONE DR, DYER, IN 46311-2290

Mortgage

Document Number	0000023892
Date	Jul 26, 2023
Instrument	2023-523892

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 26, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	1296 FLAGSTONE DR, DYER, IN 46311-2290
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONAL TITLE SOLUTIONS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000065370
Date	Sep 25, 2019
Instrument	2019 065370

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jul 1, 2049

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	1296 FLAGSTONE DR, DYER, IN 46311-2290
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017530
Date	Mar 13, 2020
Instrument	2020 017530

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

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	Dyer Town
Unified School District	Lake Central School Corporation (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$456,900 Land $86,600 Building $370,300	$456,900 Land $86,600 Building $370,300
2024	$4,794.00
2023		$411,300 (+3.08%) Land $86,600 Building $324,700	$411,300 (+3.08%) Land $86,600 Building $324,700
2022	$4,888.00 Homeowner's exemption	$399,000 Land $86,600 Building $312,400	$399,000 Land $86,600 Building $312,400

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

Flood

FEMA maps place 1296 Flagstone Dr 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
Community Rating System	Class 8 (10% premium discount)
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

Wildfire risk around 1296 Flagstone Dr 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 99.8% of the US · lower than 99.9% 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	DYER WATER DEPARTMENT serves 16,800 people · EPA ID IN5245011
Water Source	Purchased surface water from HIGHLAND WATER WORKS
Last State Inspection	Jan 2024
Lead	10 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 282 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile.

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