13823 Prospect Dr, Cedar Lake, IN 46303 Property Records

Lake County property record for 13823 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	Individual Name on Record
Tax Bill	$1,791 (2024)
Deeds & Mortgages	May 2026 Sale Nov 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`45-15-28-402-007.000-014`

Property Details

APN / Parcel Number

Primary APN	`45-15-28-402-007.000-014`

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	13823 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 139.5FT 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 May 14, 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	20521 GREENWOOD DR, OLYMPIA FIELDS, IL 60461-1413
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 6, 2026	Warranty Deed, Transfer FIDELITY NATIONAL TITLE
Nov 21, 2023	Warranty Deed, Transfer · Conventional Mortgage NEXBANK SSB
Nov 15, 2021	Warranty Deed, Transfer · Conventional Mortgage CELEBRITY HOME LOANS LLC
Jun 19, 2018	Grant Deed, Transfer PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2026
Deed Sale	May 6, 2026
Prior Sale	Nov 21, 2023 · Amount on Record
Deed Document Number	2026518530
Prior Transfer Date	Feb 5, 2025
Prior Transfer Doc	0000003674
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	May 6, 2026
Property Address	13823 PROSPECT DR, CEDAR LAKE, IN 46303-7507
Document Number	0000518530
Instrument Date	May 4, 2026
Instrument	2026518530
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20521 GREENWOOD DR, OLYMPIA FIELDS, IL 60461-1413

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Nov 21, 2023
Property Address	13823 PROSPECT DR, CEDAR LAKE, IN 46303-7507
Document Number	0000038278
Map Reference	MB 110 PG 78
Instrument Date	Nov 17, 2023
Instrument	2023-538278
Transaction Type	Transfer
Record Updated	Nov 30, 2023
Title Company	GREATER INDIANA TITLE COMPANY, GREATER INDIANA TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13823 PROSPECT DR, CEDAR LAKE, IN 46303-7507

Mortgage

Document Number	0000038279
Date	Nov 21, 2023
Instrument	2023-538279

Lender

Name	NEXBANK SSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Nov 15, 2021
Property Address	13823 PROSPECT DR, CEDAR LAKE, IN 46303-7507
Document Number	0000038105
Instrument Date	Nov 11, 2021
Instrument	2021-538105
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	13823 PROSPECT DR, CEDAR LAKE, IN 46303-7507

Mortgage

Document Number	0000038106
Date	Nov 15, 2021
Instrument	2021-538106

Lender

Name	CELEBRITY HOME LOANS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE IN
Recording Date	Jun 19, 2018
Property Address	13823 PROSPECT DR, CEDAR LAKE, IN 46303-7507
Document Number	0000038214
Instrument Date	Jun 13, 2018
Instrument	38214
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	Joint Tenants with Right of Survivorship
Address	13823 PROSPECT DR CEDAR LAKE IN 46303, CEDAR LAKE, IN 46303

Mortgage

Document Number	38215
Date	Jun 19, 2018
Instrument	38215

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	SCHERERVILLE, IN 46375

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 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 (+0.67%)
2023		$178,600 (+8.51%) Land $17,200 Building $161,400	$178,600 (+8.51%) Land $17,200 Building $161,400
2022	$1,779.00 (+3.61%)	$164,600 Land $17,200 Building $147,400	$164,600 Land $17,200 Building $147,400
2021	$1,717.00

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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