15538 97th Ln, Dyer, IN 46311 Property Records

Lake County property record for 15538 97th Ln, Dyer, IN 46311

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,989 sqft · built 2004
Lot Size	0.176 acres (7,667 sqft)
Owner	2 Individual Names on Record
Last Sale	$379,050 (May 2026)
Tax Bill	$3,272 (2024)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`009-09-11-0340-0033`

Property Details

APN / Parcel Number

Primary APN	`009-09-11-0340-0033`
Alternative APNs	`45-10-36-328-017.000-032` `091103400033`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,989 sqft Living Area
Gross Area	5,032 sqft
Basement Area	1,469 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	7,667 sqft (0.176 acres)
Lot Dimensions	120 ft deep x 64 ft wide
Garage Type	Attached
Garage Area	574 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Patio Area	272 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	15538 97TH LN
City	DYER
State	IN
Zip	46311-2965
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R33
Legal Description	PRAIRIE TRAILS PHASE II LOT 215
Legal Subdivision	PRAIRIE TRAILS PHASE II
Legal Lot Number	215
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 June 5, 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	15538 97TH LN, DYER, IN 46311-2965
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
May 27, 2026	Quit Claim Deed, Transfer · Conventional Mortgage DIRECT MORTGAGE LOAN
May 27, 2026	Quit Claim Deed, Transfer · Conventional Mortgage MORTGAGE DIRECT LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2026 · Amount on Record
Deed Sale	May 27, 2026 · Amount on Record
Deed Document Number	2026521459
Prior Transfer Date	May 19, 2026
Prior Transfer Doc	0000021459
Record Updated	Oct 29, 2026

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IN
Recording Date	May 27, 2026
Property Address	15538 97TH LN, DYER, IN 46311-2965
Document Number	0000521459
Instrument Date	May 19, 2026
Instrument	2026521459
Transaction Type	Transfer
Record Updated	Jun 5, 2026
Title Company	NEAR NORTH TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15538 97TH LN, DYER, IN 46311-2965

Mortgage

Document Number	0000521460,
Date	May 27, 2026
Instrument	2026521460

Lender

Name	DIRECT MORTGAGE LOAN

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IN
Recording Date	May 27, 2026
Property Address	15538 97TH LN, DYER, IN 46311-2965
Document Number	0000021459
Instrument Date	May 19, 2026
Instrument	2026521459
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NORTH TITLE, NEAR NORTH TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15538 97TH LN, DYER, IN 46311-2965

Mortgage

Document Number	0000521460,
Date	May 27, 2026
Instrument	2026521460

Lender

Name	MORTGAGE DIRECT LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-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		$462,300 (+9.19%) Land $57,300 Building $405,000	$462,300 (+9.19%) Land $57,300 Building $405,000
2024	$3,272.00 (-4.75%)
2023		$423,400 (+6.33%) Land $57,300 Building $366,100	$423,400 (+6.33%) Land $57,300 Building $366,100
2022	$3,435.00	$398,200 Land $51,600 Building $346,600	$398,200 Land $51,600 Building $346,600

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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