13530 Utopia Dr, Cedar Lake, IN 46303 Property Records

Lake County property record for 13530 Utopia Dr, Cedar Lake, IN 46303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,776 sqft · built 2000
Lot Size	0.237 acres (10,336 sqft)
Owner	Individual Name on File
Tax Bill	$2,424 (2024)
Deeds & Mortgages	Mar 2017 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`005-30-24-0180-0009`

Property Details

APN / Parcel Number

Primary APN	`005-30-24-0180-0009`
Alternative APNs	`45-15-28-277-002.000-014` `302401800009`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,776 sqft Living Area
Family Room	Family Room

Exterior

Year Built	Built 2000
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	10,336 sqft (0.237 acres)
Lot Dimensions	152 ft deep x 68 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	314 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	005-30-24-0180-0009
Old Parcel Number	302401800009
Street Address	13530 UTOPIA DR
City	CEDAR LAKE
State	IN
Zip	46303-9220
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UTOPIA UNIT# 3 LOT 77
Legal Subdivision	UTOPIA 03
Legal Lot Number	77
Jurisdiction	LAKE IN
Township / Civil Division	HANOVER
Census Block Group	2
Census Block	2002
Census Tract	42901

Owner

13530 Utopia Dr is owned and occupied by an individual who acquired it in June 2018.

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 File
Mailing Address	13530 UTOPIA DR, CEDAR LAKE, IN 46303-9220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2017	Deed of Trust, Mortgage INDIANA HOUSING & COMMUNITY DEVELOPMENT
Mar 17, 2020	Deed of Trust, Mortgage LOWER
Jun 19, 2018	Warranty Deed, Transfer · FHA Mortgage DIAMOND RESIDENTIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 19, 2018
Deed Sale	Jun 19, 2018
Deed Document Number	2018 038012
Record Updated	Jun 8, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	13530 UTOPIA DR, CEDAR LAKE, IN 46303-9220
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017267
Date	Mar 15, 2017
Instrument	2017 017267

Lender

Name	INDIANA HOUSING & COMMUNITY DEVELOPMENT
Type	Government Agency
Address	CEDAR LAKE, IN 46303

Agreement

Amount	Amount on Record

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	13530 UTOPIA DR, CEDAR LAKE, IN 46303-9220
Document Number	0000027966
Instrument Date	Mar 17, 2020
Transaction Type	Mortgage
Record Updated	Jun 30, 2020
Title Company	MEYMAX TITLE AGENCY LLC, MEYMAX TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13530 UTOPIA DR CEDAR LAKE IN 463039220, CEDAR LAKE, IN 46303-9220

Mortgage

Document Number	0000027966
Date	May 21, 2020
Instrument	27966

Lender

Name	LOWER
Address	COLUMBIA, MD 21044

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 20, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Jun 19, 2018
Property Address	13530 UTOPIA DR, CEDAR LAKE, IN 46303-9220
Document Number	0000038012
Map Reference	MB60 PG24
Instrument Date	Jun 15, 2018
Instrument	2018 038012
Transaction Type	Transfer
Record Updated	Dec 30, 2021

Transaction

Tax	$0.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13530 UTOPIA DR, CEDAR LAKE, IN 46303-9220

Mortgage

Document Number	0000038013
Date	Jun 19, 2018
Instrument	2018 038013

Lender

Name	DIAMOND RESIDENTIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
County	Lake County
County Subdivision	Hanover Township
Municipality	Cedar Lake Town
Unified School District	Hanover Community School Corporation (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$245,200 Land $36,300 Building $208,900	$245,200 Land $36,300 Building $208,900
2024	$2,424.00
2023		$224,300 (-3.24%) Land $36,000 Building $188,300	$224,300 (-3.24%) Land $36,000 Building $188,300
2022	$2,824.00	$231,800 Land $50,800 Building $181,000	$231,800 Land $50,800 Building $181,000

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

Flood

FEMA maps place 13530 Utopia Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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 13530 Utopia 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 99.1% of the US · lower than 94% 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	CEDAR LAKE WATER WORKS private · serves 4,600 people · EPA ID IN5245047
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	15 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Sanitary survey deficiency not corrected Apr 2025
Monitoring and Reporting	51 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 200 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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