15009 W 103rd Ave, Dyer, IN 46311 Property Records

Lake County property record for 15009 W 103rd Ave, Dyer, IN 46311

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,340 sqft · built 2024
Lot Size	0.257 acres (11,200 sqft)
Owner	2 Individual Names on File
Last Sale	$565,000 (Jul 2022)
Tax Bill	$1,216 (2024)
Deeds & Mortgages	Jul 2022 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`45-14-01-201-008.000-013`

Property Details

APN / Parcel Number

Primary APN	`45-14-01-201-008.000-013`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	3,340 sqft Living Area
Gross Area	5,547 sqft
Basement Area	1,649 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	11,200 sqft (0.257 acres)
Lot Dimensions	140 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	558 sqft
Parking Spaces	3 Parking Spaces
Pool Type	Above-Ground Pool

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	15009 W 103RD AVE
City	DYER
State	IN
Zip	46311-7110
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EMERALD CROSSING UNIT 5 LOT 237
Legal Subdivision	EMERALD CROSSING UNIT 5
Legal Lot Number	237
Jurisdiction	LAKE IN
Township / Civil Division	HANOVER
Census Block Group	1
Census Block	1048
Census Tract	42904

Owner

Source: Lake County records · APN 45-14-01-201-008.000-013

Assessment roll updated December 29, 2025 · Last verified August 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 File
Mailing Address	7551 W UTE LN, PALOS HEIGHTS, IL 60463-2047
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 26, 2022 · Amount on Record
Deed Sale	Jul 26, 2022 · Amount on Record
Deed Document Number	2022530608
Record Updated	Sep 20, 2026

July 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Jul 26, 2022
Property Address	15009 W 103RD AVE, DYER, IN 46311-7110
Document Number	0000030608
Map Reference	MB 110 PG 58
Instrument Date	Jul 20, 2022
Instrument	2022-530608
Transaction Type	Construction Loan
Record Updated	May 22, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7551 W UTE LN, PALOS HEIGHTS, IL 60463-2047

Mortgage

Document Number	0000030609
Date	Jul 26, 2022
Instrument	2022-530609

Lender

Name	PEOPLES BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	5%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 01, 2030
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	10%
Index	Other
Max Rate	10%

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated December 29, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Lake County
County Subdivision	Hanover Township
Unified School District	Hanover Community School Corporation (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$544,500 (+725%) Land $65,700 Building $478,800	$544,500 (+725%) Land $65,700 Building $478,800
2024	$1,216.00 (+24,22%)
2023		$66,000 (+21,9%) Land $66,000	$66,000 (+21,9%) Land $66,000
2022	$5.00	$300 Land $300	$300 Land $300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 16, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2026 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 78% of Indiana
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 346 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	AQUA INDIANA WATER COMPANY private · serves 1,350 people
Water Source	Purchased groundwater from AQUA ILLINOIS-WILLOWBROOK
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.