Lake County property record for 1635 Ridge Rd, Munster, IN 46321
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 1,976 sqft · built 1989 |
| Lot Size | 0.207 acres (9,028 sqft) |
| Owner | Individual Name on File |
| Last Sale | $405,000 (Feb 2022) |
| Tax Bill | $4,887 (2024) |
| Deeds & Mortgages | Jan 2024 Mortgage Feb 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 007-18-28-0519-0001 |
| Primary APN | 007-18-28-0519-0001 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,976 sqft Living Area |
| Basement Area | 988 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2015 |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Asphalt |
| Lot Area | 9,028 sqft (0.207 acres) |
| Lot Dimensions | 148 ft deep x 61 ft wide |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 007-18-28-0519-0001 |
|---|---|
| Old Parcel Number | 182805190001 |
| Street Address | 1635 RIDGE RD |
| City | MUNSTER |
| State | IN |
| Zip | 46321-1918 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THOMAS' 4TH ADDITION LOT #1 |
| Legal Subdivision | THOMAS 4TH ADD/MUNSTER |
| Legal Lot Number | 1 |
| Jurisdiction | LAKE IN |
| Township / Civil Division | NORTH |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 40401 |
1635 Ridge Rd is owned and occupied by an individual who bought it in February 2022.
Source: Lake County records, as of March 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1635 RIDGE RD, MUNSTER, IN 46321-1918 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 16, 2024 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Feb 22, 2022 | Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC |
| Jun 28, 2018 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 22, 2022 · Amount on File |
| Deed Sale | Feb 22, 2022 · Amount on File |
| Prior Sale | Nov 14, 2012 · Amount on File |
| Deed Document Number | 2022-507905 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IN |
| Property Address | 1635 RIDGE RD, MUNSTER, IN 46321-1918 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2024 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 1635 RIDGE RD, MUNSTER, IN 46321-1918 |
| Document Number | 0000001504 |
|---|---|
| Date | Jan 16, 2024 |
| Instrument | 2024-501504 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 338 Months |
| Due | Mar 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IN |
| Recording Date | Feb 22, 2022 |
| Property Address | 1635 RIDGE RD, MUNSTER, IN 46321-1918 |
| Document Number | 0000007905 |
| Map Reference | MB 64 PG 40 |
| Instrument Date | Feb 18, 2022 |
| Instrument | 2022-507905 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2023 |
| Title Company | GREATER INDIANA TITLE COMPANY, GREATER INDIANA TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | IN |
| Name | Verified Name |
|---|---|
| Address | 1635 RIDGE RD, MUNSTER, IN 46321-1918 |
| Document Number | 0000007906 |
|---|---|
| Date | Feb 22, 2022 |
| Instrument | 2022-507906 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IN |
| Property Address | 1635 RIDGE RD, MUNSTER, IN 46321-1918 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000040146 |
|---|---|
| Date | Jun 28, 2018 |
| Instrument | 2018 040146 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 13, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Lake County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Indiana |
| County | Lake County |
| County Subdivision | North Township |
| Municipality | Munster Town |
| Unified School District | Munster School Town (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $406,900 Land $51,500 Building $355,400 | $406,900 Land $51,500 Building $355,400 | |
| 2024 | $4,887.00 | ||
| 2023 | $370,000 (+4.23%) Land $45,500 Building $324,500 | $370,000 (+4.23%) Land $45,500 Building $324,500 | |
| 2022 | $4,760.00 | $355,000 Land $43,900 Building $311,100 | $355,000 Land $43,900 Building $311,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1635 Ridge Rd in Zone X, an area of minimal flood risk, though there have been 157 flood claims nearby since 1982.
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 |
| Flood Insurance Cost | Premium on File median of 18 policies |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 157 (1982–2011) |
| Claims Outside the SFHA | 7 of 157 |
| Most Recent Claim | Feb 2011 · rainfall accumulation |
| Claims by Event |
|
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.
The area around 1635 Ridge Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MUNSTER WATER COMPANY serves 23,894 people · EPA ID IN5245031 |
|---|---|
| Water Source | Purchased surface water from HAMMOND WATER WORKS DEPARTMENT |
| Last State Inspection | Mar 2024 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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.
Source: FCC Broadband Data Collection, based on 439 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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