Lake County property record for 1638 Cardinal Dr, Munster, IN 46321
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,864 sqft · built 1973 |
| Lot Size | 0.249 acres (10,850 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $3,875 (2024) |
| Deeds & Mortgages | Apr 2023 Transfer Apr 2023 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 007-18-28-0374-0039 |
| Primary APN | 007-18-28-0374-0039 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,864 sqft Living Area |
| Gross Area | 2,440 sqft |
| 1st Floor Area | 1,864 sqft |
| Basement Area | 576 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 2010 |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 10,850 sqft (0.249 acres) |
| Lot Dimensions | 155 ft deep x 70 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1638 CARDINAL DR |
|---|---|
| City | MUNSTER |
| State | IN |
| Zip | 46321-3905 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FAIRMEADOW 8TH ADD. BLOCK 4 LOT 39 |
| Legal Subdivision | FAIRMEADOW 8TH ADD |
| Legal Block | 4 |
| Legal Lot Number | 39 |
| Jurisdiction | LAKE IN |
| Township / Civil Division | NORTH |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 40403 |
Source: Lake County records, as of December 29, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 1638 CARDINAL DR, MUNSTER, IN 46321-3905 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
| Date | Document |
|---|---|
| Apr 14, 2023 | Affidavit of Death of Joint Tenant, Transfer |
| Apr 14, 2023 | Intrafamily Transfer, Transfer |
| Nov 27, 2017 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA |
| Apr 7, 2016 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Apr 12, 2023 |
| Transfer Doc | 0000010910 |
| Record Updated | Jun 8, 2026 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | LAKE IN |
| Recording Date | Apr 14, 2023 |
| Property Address | 1638 CARDINAL DR, MUNSTER, IN 46321-3905 |
| Document Number | 0000010909 |
| Map Reference | MB 43 PG 103 |
| Instrument Date | Apr 12, 2023 |
| Instrument | 2023-510909 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE IN |
| Recording Date | Apr 14, 2023 |
| Property Address | 1638 CARDINAL DR, MUNSTER, IN 46321-3905 |
| Document Number | 0000010910 |
| Map Reference | MB 43 PG 103 |
| Instrument Date | Apr 12, 2023 |
| Instrument | 2023-510910 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IN |
| Property Address | 1638 CARDINAL DR, MUNSTER, IN 46321-3905 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000079762 |
|---|---|
| Date | Nov 27, 2017 |
| Instrument | 2017 079762 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 341 Months |
| Due | Apr 12, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IN |
| Property Address | 1638 CARDINAL DR, MUNSTER, IN 46321-3905 |
| Document Number | 0000002170 |
| Instrument Date | Apr 7, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2018 |
| Title Company | DOCUMENT RECORDING SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1638 CARDINAL DR MUNSTER IN 463213905, MUNSTER, IN 46321-3905 |
| Document Number | 0000002170 |
|---|---|
| Date | Jan 11, 2018 |
| Instrument | 2170 |
| Name | BMO HARRIS BK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 84 Months |
| Due | Jan 10, 2025 |
| Rate Type | Adjustable Rate |
|---|
Source: Lake County assessment roll, as of December 29, 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 | $350,900 (+18.83%) Land $62,300 Building $288,600 | $350,900 (+18.83%) Land $62,300 Building $288,600 | |
| 2024 | $3,875.00 (+4.28%) | ||
| 2023 | $295,300 (+5.01%) Land $64,300 Building $231,000 | $295,300 (+5.01%) Land $64,300 Building $231,000 | |
| 2022 | $3,716.00 (-11.06%) Homeowner's exemption | $281,200 Land $64,300 Building $216,900 | $281,200 Land $64,300 Building $216,900 |
| 2021 | $4,178.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (2009–2010) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jun 2010 · rainfall accumulation |
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.
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 299 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
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