1581 Hearthstone Ct, Dyer, IN 46311 Property Records

Lake County property record for 1581 Hearthstone Ct, Dyer, IN 46311

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 4,572 sqft · built 2005
Lot Size	0.279 acres (12,153 sqft)
Owner	2 Company Names on Record
Last Sale	$285,684 (Mar 2024)
Tax Bill	$4,161 (2024)
Deeds & Mortgages	Feb 2026 Mortgage Oct 2020 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`009-12-14-0335-0040`

Property Details

APN / Parcel Number

Primary APN	`009-12-14-0335-0040`
Alternative APNs	`45-11-07-278-021.000-034` `121403350040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	4,572 sqft Living Area
Gross Area	7,364 sqft
1st Floor Area	2,286 sqft
Basement Area	2,286 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	12,153 sqft (0.279 acres)
Lot Dimensions	152 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Patio Area	225 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1581 HEARTHSTONE CT
City	DYER
State	IN
Zip	46311-2191
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R33
Legal Description	HEARTHSTONE SUBDIVISION PHASE 1 LOT 45
Legal Subdivision	HEARTHSTONE SUBDIVISION PHASE 1
Legal Phase	1
Legal Lot Number	45
Jurisdiction	LAKE IN
Township / Civil Division	ST. JOHN
Census Block Group	2
Census Block	2000
Census Tract	42804

Owner

Source: Lake County records, as of February 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	1581 HEARTHSTONE CT, DYER, IN 46311-2191
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage SUN WEST MORTGAGE COMPANY INC
Oct 9, 2020	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jul 23, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Aug 22, 2019	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
Oct 18, 2018	Deed of Trust, Mortgage MR COOPER
Jul 30, 2018	Quit Claim Deed, Transfer · FHA Mortgage FIRST DIRECT LNDG
Mar 23, 2017	Deed of Trust, Mortgage · FHA Mortgage FIRST DIRECT LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2024 · Amount on Record
Deed Sale	Mar 14, 2024 · Amount on Record
Prior Sale	Jul 30, 2018 · Amount on Record
Deed Document Number	2024508100
Last Transfer Date	Nov 25, 2024
Transfer Doc	0000042162
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	1581 HEARTHSTONE CT, DYER, IN 46311-2191
Transaction Type	Mortgage
Record Updated	Feb 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1581 HEARTHSTONE CT, DYER, IN 46311-2191

Mortgage

Document Number	0000005288
Date	Feb 9, 2026
Instrument	2026-505288

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	CERRITOS, CA 90703

Agreement

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

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	1581 HEARTHSTONE CT, DYER, IN 46311-2191
Transaction Type	Mortgage
Record Updated	Nov 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1581 HEARTHSTONE CT, DYER, IN 46311-2191

Mortgage

Document Number	0000072355
Date	Oct 9, 2020
Instrument	2020-072355

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	347 Months
Due	Sep 1, 2049

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	1581 HEARTHSTONE CT, DYER, IN 46311-2191
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1581 HEARTHSTONE CT, DYER, IN 46311-2191

Mortgage

Document Number	0000019384
Date	Jul 23, 2021
Instrument	2021-519384

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	338 Months
Due	Sep 1, 2049

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	1581 HEARTHSTONE CT, DYER, IN 46311-2191
Document Number	0000059810
Instrument Date	Aug 22, 2019
Transaction Type	Mortgage
Record Updated	Sep 27, 2019
Title Company	VISIONET SYSTEMS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1581 HEARTHSTONE CT DYER IN 463112191, DYER, IN 46311-2191

Mortgage

Document Number	0000059810
Date	Sep 4, 2019
Instrument	59810

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 3, 2049

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	1581 HEARTHSTONE CT, DYER, IN 46311-2191
Document Number	0000074723
Instrument Date	Oct 18, 2018
Transaction Type	Mortgage
Record Updated	Nov 13, 2018
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1581 HEARTHSTONE CT DYER IN 463112191, DYER, IN 46311-2191

Mortgage

Document Number	0000074723
Date	Oct 30, 2018
Instrument	74723

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 29, 2048

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IN
Recording Date	Jul 30, 2018
Property Address	1581 HEARTHSTONE CT, DYER, IN 46311-2191
Document Number	0000047941
Instrument Date	Jun 30, 2018
Instrument	47941
Transaction Type	Transfer
Record Updated	Aug 9, 2018
Title Company	UNISOURCE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1581 HEARTHSTONE CT DYER IN 463112191, DYER, IN 46311-2191

Mortgage

Document Number	47942
Date	Jul 30, 2018
Instrument	47942

Lender

Name	FIRST DIRECT LNDG
Address	IRVINE, CA 92618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 29, 2048

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	1581 HEARTHSTONE CT, DYER, IN 46311-2191
Document Number	0000020849
Instrument Date	Mar 23, 2017
Transaction Type	Mortgage
Record Updated	May 1, 2017
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1581 HEARTHSTONE CT DYER IN 463112191, DYER, IN 46311-2191

Mortgage

Document Number	0000020849
Date	Apr 3, 2017
Instrument	20849

Lender

Name	FIRST DIRECT LNDG
Address	IRVINE, CA 92618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 2, 2047

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
Municipality	Dyer Town
Unified School District	Lake Central School Corporation (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$408,500 (+12.57%) Land $80,400 Building $328,100	$408,500 (+12.57%) Land $80,400 Building $328,100
2024	$4,161.00 (-3.26%)
2023		$362,900 (+3.01%) Land $80,400 Building $282,500	$362,900 (+3.01%) Land $80,400 Building $282,500
2022	$4,301.00 Homeowner's exemption	$352,300 Land $80,400 Building $271,900	$352,300 Land $80,400 Building $271,900

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 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 98% of the US · lower than 85% of Indiana
Wildfire Likelihood	Under 0.01% 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	DYER WATER DEPARTMENT serves 16,800 people · EPA ID IN5245011
Water Source	Purchased surface water from HIGHLAND WATER WORKS
Last State Inspection	Jan 2024
Lead	10 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	None 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 289 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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