13573 Harbor Dr, Cedar Lake, IN 46303 Property Records

Lake County property record for 13573 Harbor Dr, Cedar Lake, IN 46303

Property Summary

Property Type	Recreational Vacant Land
Lot Size	0.304 acres (13,260 sqft)
Owner	Individual Name on File
Last Sale	$532,000 (Aug 2025)
Tax Bill	$16 (2024)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Jun 2025 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`45-15-28-257-001.000-014`

Property Details

APN / Parcel Number

Primary APN	`45-15-28-257-001.000-014`

Exterior

Lot Area	13,260 sqft (0.304 acres)
Lot Dimensions	130 ft deep x 102 ft wide

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	13573 HARBOR DR
City	CEDAR LAKE
State	IN
Zip	46303-1042
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Legal Description	BEACON POINTE UNIT 7 LOT 62
Legal Subdivision	BEACON POINTE UNIT 7
Legal Lot Number	62
Jurisdiction	LAKE IN
Township / Civil Division	HANOVER
Census Block Group	2
Census Block	2000
Census Tract	42901

Owner

Source: Lake County records, as of December 29, 2025

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	13573 HARBOR DR, CEDAR LAKE, IN 46303-1042
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2025	Warranty Deed, Transfer · Conventional Mortgage REGIONAL FCU
Jun 23, 2025	Intrafamily Transfer, Transfer · Construction Mortgage HORIZON BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2025 · Amount on File
Deed Sale	Aug 25, 2025 · Amount on File
Prior Sale	Jun 23, 2025 · Amount on File
Deed Document Number	2025532096
Prior Transfer Date	Jun 16, 2025
Prior Transfer Doc	0000022582
Record Updated	Jun 8, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Aug 25, 2025
Property Address	13573 HARBOR DR, CEDAR LAKE, IN 46303-1042
Document Number	0000032096
Map Reference	MB 116 PG 43
Instrument Date	Aug 21, 2025
Instrument	2025-532096
Transaction Type	Transfer
Record Updated	Mar 19, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13573 HARBOR DR, CEDAR LAKE, IN 46303-1042

Mortgage

Document Number	0000032097
Date	Aug 25, 2025
Instrument	2025-532097

Lender

Name	REGIONAL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2040

June 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE IN
Recording Date	Jun 23, 2025
Property Address	13573 HARBOR DR, CEDAR LAKE, IN 46303-1042
Document Number	0000022582
Map Reference	MB 116 PG 43
Instrument Date	Jun 16, 2025
Instrument	2025-522582
Transaction Type	Transfer
Record Updated	Mar 19, 2026
Title Company	FIDELITY HIGHLAND

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2300 RAMBLEWOOD DR STE A, A, HIGHLAND, IN 46322-3627

Mortgage

Document Number	0000022583
Date	Jun 23, 2025
Instrument	2025-522583

Lender

Name	HORIZON BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jun 17, 2026

Tax Assessment & Valuation

Source: Lake County assessment roll, as of December 29, 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		$700 (-) Land $700	$700 (-) Land $700
2024	$16.00	$700 Land $700	$700 Land $700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 78% 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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