13825 Prospect Dr, Cedar Lake, IN 46303 Property Records

Lake County property record for 13825 Prospect Dr, Cedar Lake, IN 46303

Property Summary

Property Type	Row House
Details	2 ba · 1,353 sqft · built 2018
Lot Size	0.038 acres (1,694 sqft)
Owner	Individual Name on Record
Last Sale	$228,900 (Mar 2025)
Tax Bill	$1,640 (2024)
Deeds & Mortgages	Mar 2025 Sale & Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`45-15-28-402-008.000-014`

Property Details

APN / Parcel Number

Primary APN	`45-15-28-402-008.000-014`

Interior

Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,353 sqft Living Area

Exterior

Year Built	Built 2018
Construction Type	Masonry / Concrete Block
Roof Material	Other
Lot Area	1,694 sqft (0.038 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	13825 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 SE'LY 22FT OF NW'LY 161.5FT OF LOT 206
Legal Subdivision	CENTENNIAL SUB
Legal Phase	12
Legal Lot Number	206 13825
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	13825 PROSPECT DR, CEDAR LAKE, IN 46303-7507
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2025	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
May 24, 2018	Special Warranty Deed, Transfer · Conventional Mortgage FLANAGAN STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2025 · Amount on Record
Deed Sale	Mar 11, 2025 · Amount on Record
Prior Sale	May 24, 2018
Deed Document Number	2025-508206
Record Updated	Jun 8, 2026

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Mar 11, 2025
Property Address	13825 PROSPECT DR, CEDAR LAKE, IN 46303-7507
Document Number	0000008206
Map Reference	MB 110 PG 78
Instrument Date	Feb 28, 2025
Instrument	2025-508206
Transaction Type	Transfer
Record Updated	Feb 6, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13825 PROSPECT DR, CEDAR LAKE, IN 46303-7507

Mortgage

Document Number	0000008207
Date	Mar 11, 2025
Instrument	2025-508207

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2055

May 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LAKE IN
Recording Date	May 24, 2018
Property Address	13825 PROSPECT DR, CEDAR LAKE, IN 46303-7507
Document Number	0000032632
Map Reference	MB110 PG78
Instrument Date	May 18, 2018
Instrument	2018 032632
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	FIDELITY NATIONAL TITLE CO

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	13825 PROSPECT DR, CEDAR LAKE, IN 46303-7507

Mortgage

Document Number	0000032633
Date	May 24, 2018
Instrument	2018 032633

Lender

Name	FLANAGAN STATE BANK
Type	Bank

Agreement

Type	Conventional 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		$184,900 (+6.02%) Land $16,300 Building $168,600	$184,900 (+6.02%) Land $16,300 Building $168,600
2024	$1,640.00 (+0.99%)	$174,400 (+4.06%) Land $17,200 Building $157,200	$174,400 (+4.06%) Land $17,200 Building $157,200
2023		$167,600 (+8.41%) Land $17,200 Building $150,400	$167,600 (+8.41%) Land $17,200 Building $150,400
2022	$1,624.00 (+3.9%)	$154,600 Land $17,200 Building $137,400	$154,600 Land $17,200 Building $137,400
2021	$1,563.00

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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