13813 Prospect Dr, Cedar Lake, IN 46303 Property Records

Lake County property record for 13813 Prospect Dr, Cedar Lake, IN 46303

Property Summary

Property Type	Row House
Details	2 ba · 1,529 sqft · built 2018
Lot Size	0.053 acres (2,310 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (May 2021)
Tax Bill	$1,876 (2024)
Deeds & Mortgages	May 2021 Sale & Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`45-15-28-402-002.000-014`

Property Details

APN / Parcel Number

Primary APN	`45-15-28-402-002.000-014`

Interior

Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,529 sqft Living Area

Exterior

Year Built	Built 2018
Construction Type	Masonry / Concrete Block
Roof Material	Other
Lot Area	2,310 sqft (0.053 acres)
Lot Dimensions	77 ft deep x 30 ft wide
Garage Type	Attached
Garage Area	242 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	13813 PROSPECT DR
City	CEDAR LAKE
State	IN
Zip	46303-7507
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Row House
Legal Description	CENTENNIAL SUB. PHASE 12 NW'LY 29.5FT OF LOT 206
Legal Subdivision	CENTENNIAL SUB
Legal Phase	12
Legal Lot Number	206 13813
Jurisdiction	LAKE IN
Township / Civil Division	HANOVER
Census Block Group	2
Census Block	2000
Census Tract	42901

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	13813 PROSPECT DR, CEDAR LAKE, IN 46303-7507
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2021	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
May 17, 2018	Special Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2021 · Amount on Record
Deed Sale	May 14, 2021 · Amount on Record
Prior Sale	May 17, 2018
Deed Document Number	2021-508580
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	May 14, 2021
Property Address	13813 PROSPECT DR, CEDAR LAKE, IN 46303-7507
Document Number	0000008580
Map Reference	MB 110 PG 78
Instrument Date	May 4, 2021
Instrument	2021-508580
Transaction Type	Transfer
Record Updated	Nov 7, 2023
Title Company	DIVERSITY TITLE AND ESCROW COMPANY, LIBERTY TITLE & ESCROW CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13813 PROSPECT DR, CEDAR LAKE, IN 46303-7507

Mortgage

Document Number	0000008581
Date	May 14, 2021
Instrument	2021-508581

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

May 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LAKE IN
Recording Date	May 17, 2018
Property Address	13813 PROSPECT DR, CEDAR LAKE, IN 46303-7507
Document Number	0000031230
Map Reference	MB110 PG78
Instrument Date	May 10, 2018
Instrument	2018 031230
Transaction Type	Transfer
Record Updated	Mar 31, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13813 PROSPECT DR, CEDAR LAKE, IN 46303-7507

Mortgage

Document Number	0000031231
Date	May 17, 2018
Instrument	2018 031231

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 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		$203,100 (+9.9%) Land $21,800 Building $181,300	$203,100 (+9.9%) Land $21,800 Building $181,300
2024	$1,876.00 (+0.05%)
2023		$184,800 (+8.2%) Land $23,400 Building $161,400	$184,800 (+8.2%) Land $23,400 Building $161,400
2022	$1,875.00 (+5.1%)	$170,800 Land $23,400 Building $147,400	$170,800 Land $23,400 Building $147,400
2021	$1,784.00

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	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 96% of the US · lower than 73% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 283 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.

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