13821 Prospect Dr, Cedar Lake, IN 46303 Property Records

Lake County property record for 13821 Prospect Dr, Cedar Lake, IN 46303

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,529 sqft · built 2018
Lot Size	0.039 acres (1,694 sqft)
Owner	2 Individual Names on Record
Last Sale	$151,500 (Jun 2018)
Tax Bill	$1,791 (2024)
Deeds & Mortgages	Jan 2022 Mortgage Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`45-15-28-402-006.000-014`

Property Details

APN / Parcel Number

Primary APN	`45-15-28-402-006.000-014`

Interior

Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,529 sqft Living Area
Gross Area	1,771 sqft
1st Floor Area	1,529 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Row Home
Construction Type	Masonry / Concrete Block
Roof Material	Other
Lot Area	1,694 sqft (0.039 acres)
Lot Dimensions	77 ft deep x 22 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	13821 PROSPECT DR
City	CEDAR LAKE
State	IN
Zip	46303-7507
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTENNIAL SUB. PHASE 12 SELY 22FT OF NWLY 117.5FT OF LOT 206
Legal Subdivision	CENTENNIAL SUB. PHASE 1
Legal Phase	12
Legal Lot Number	206
Jurisdiction	LAKE IN
Township / Civil Division	HANOVER
Census Block Group	2
Census Block	2000
Census Tract	42901

Owner

Source: Lake County records, as of October 7, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	13821 PROSPECT DR, CEDAR LAKE, IN 46303-7507
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jun 26, 2018	Grant Deed, Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2018 · Amount on Record
Deed Sale	Jun 26, 2018 · Amount on Record
Deed Document Number	201839595
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	13821 PROSPECT DR, CEDAR LAKE, IN 46303-7507
Transaction Type	Mortgage
Record Updated	Nov 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000016
Date	Jan 4, 2022
Instrument	2022-500016

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE IN
Recording Date	Jun 26, 2018
Property Address	13821 PROSPECT DR, CEDAR LAKE, IN 46303-7507
Document Number	0000039595
Instrument Date	Jun 20, 2018
Instrument	39595
Transaction Type	Transfer
Record Updated	Aug 10, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13821 PROSPECT DR CEDAR LAKE IN 46303, CEDAR LAKE, IN 46303

Mortgage

Document Number	39596
Date	Jun 26, 2018
Instrument	39596

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2048

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		$197,600 (+10.64%) Land $16,300 Building $181,300	$197,600 (+10.64%) Land $16,300 Building $181,300
2024	$1,791.00 (-3.19%)
2023		$178,600 (+8.51%) Land $17,200 Building $161,400	$178,600 (+8.51%) Land $17,200 Building $161,400
2022	$1,850.00 (+3.24%)	$164,600 Land $17,200 Building $147,400	$164,600 Land $17,200 Building $147,400
2021	$1,792.00

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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