15537 97th Pl, Dyer, IN 46311 Property Records

Lake County property record for 15537 97th Pl, Dyer, IN 46311

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,850 sqft · built 2004
Lot Size	0.176 acres (7,680 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (May 2021)
Tax Bill	$2,551 (2024)
Deeds & Mortgages	May 2026 Line of Credit May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`009-09-11-0340-0038`

Property Details

APN / Parcel Number

Primary APN	`009-09-11-0340-0038`
Alternative APNs	`45-10-36-328-008.000-032` `091103400038`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,850 sqft Living Area
Gross Area	4,781 sqft
1st Floor Area	1,425 sqft
Basement Area	1,425 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	7,680 sqft (0.176 acres)
Lot Dimensions	120 ft deep x 64 ft wide
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	15537 97TH PL
City	DYER
State	IN
Zip	46311-2969
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R33
Legal Description	PRAIRIE TRAILS PHASE II LOT 220
Legal Subdivision	PRAIRIE TRAILS PHASE II
Legal Lot Number	220
Jurisdiction	LAKE IN
Township / Civil Division	ST. JOHN
Census Block Group	2
Census Block	2030
Census Tract	42608

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	15537 97TH PL, DYER, IN 46311-2969
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2026	Deed of Trust, Mortgage · Line of Credit AMERICAN COMMUNITY BANK
May 4, 2021	Deed, Transfer · Conventional Mortgage AMERICAN COMMUNITY BANK OF INDIANA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2021 · Amount on Record
Deed Sale	May 4, 2021 · Amount on Record
Prior Sale	Jul 12, 2016
Deed Document Number	2021507154
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Recording Date	May 6, 2026
Property Address	15537 97TH PL, DYER, IN 46311-2969
Document Number	0000010242
Instrument Date	Apr 23, 2026
Instrument	202610242
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15537 97TH PL, DYER, IN 46311-2969

Mortgage

Document Number	0000010242,
Date	May 6, 2026
Instrument	202610242

Lender

Name	AMERICAN COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 23, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE IN
Recording Date	May 4, 2021
Property Address	15537 97TH PL, DYER, IN 46311-2969
Document Number	0000007154
Map Reference	MB 94 PG 90
Instrument Date	Apr 30, 2021
Instrument	2021-507154
Transaction Type	Transfer
Record Updated	Feb 9, 2023
Title Company	INDIANA TITLE NETWORK COMPANY, INDIANA TITLE NETWORK 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	15537 97TH PL, DYER, IN 46311-2969

Mortgage

Document Number	0000007155
Date	May 4, 2021
Instrument	2021-507155

Lender

Name	AMERICAN COMMUNITY BANK OF INDIANA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	May 1, 2026
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	6.12%
Index	1-Year CMT
Max Rate	10.1%

Tax Assessment & Valuation

Source: Lake County assessment roll, as of December 29, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	Lake County
County Subdivision	St. John Township
Unified School District	Lake Central School Corporation (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$372,100 (+9.54%) Land $57,300 Building $314,800	$372,100 (+9.54%) Land $57,300 Building $314,800
2024	$2,551.00 (-5.52%)
2023		$339,700 (+6.49%) Land $57,300 Building $282,400	$339,700 (+6.49%) Land $57,300 Building $282,400
2022	$2,700.00	$319,000 Land $51,600 Building $267,400	$319,000 Land $51,600 Building $267,400

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
Community Rating System	Class 10 (0% premium discount)
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 94% of the US · lower than 63% of Indiana
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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	AQUA INDIANA WATER COMPANY private · serves 1,350 people · EPA ID IN5245017
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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 301 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Bertram Communications, T-Mobile, Verizon.

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