Lake County property record for 1704 Central Ave, Whiting, IN 46394
| Property Type | Triplex |
|---|---|
| Details | 7 bd · 4.5 ba · 3,456 sqft · built 1952 |
| Lot Size | 0.112 acres (4,880 sqft) |
| Owner | Individual Name on File |
| Last Sale | $319,762 (May 2026) |
| Tax Bill | $4,648 (2024) |
| Deeds & Mortgages | May 2026 Sale & Mortgage May 2026 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 007-28-29-0035-0032 |
| Primary APN | 007-28-29-0035-0032 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 17 Rooms |
| Stories | 2 Stories |
| Building Area | 3,456 sqft Living Area |
| Gross Area | 5,376 sqft |
| 1st Floor Area | 1,680 sqft |
| Basement Area | 840 sqft |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Triplex |
| Construction Type | Brick |
| Roof Material | Asphalt |
| Lot Area | 4,880 sqft (0.112 acres) |
| Lot Dimensions | 122 ft deep x 40 ft wide |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1704 CENTRAL AVE |
|---|---|
| City | WHITING |
| State | IN |
| Zip | 46394-1662 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Legal Description | CENTRAL PARK ADDITION N. 20 FT. L.38 BL.3 S. 20 FT. L.39 BL.3 |
| Legal Subdivision | PARK ADDITION |
| Legal Block | 3 |
| Legal Lot Number | 38 |
| Jurisdiction | LAKE IN |
| Township / Civil Division | NORTH |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 40200 |
1704 Central Ave, a triplex, is owned and occupied by an individual who bought it in May 2026.
Source: Lake County records, as of May 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 513 LUCY LN, MUNSTER, IN 46321-4197 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| May 12, 2026 | Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORPORATION |
| May 12, 2026 | Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORPORATION |
| Sep 29, 2023 | Deed of Trust, Mortgage INDIANA HOUSING & COMMUNITY DEVELOPMENT |
| Jan 6, 2020 | Loan Modification, Mortgage PHH MTG SVCS |
| Jan 8, 2018 | Loan Modification, Mortgage OCWEN LN SERVICING |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 12, 2026 · Amount on File |
| Deed Sale | May 12, 2026 · Amount on File |
| Prior Sale | Aug 19, 2008 · Amount on File |
| Deed Document Number | 2026519198 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IN |
| Recording Date | May 12, 2026 |
| Property Address | 1704 CENTRAL AVE, WHITING, IN 46394-1662 |
| Document Number | 0000519198 |
| Instrument Date | May 8, 2026 |
| Instrument | 2026.519198 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2026 |
| Title Company | PROPERTY TITLE, PROPER TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 513 LUCY LN, MUNSTER, IN 46321-4197 |
| Document Number | 0000519199, |
|---|---|
| Date | May 12, 2026 |
| Instrument | 2026..519199 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 304 Months |
| Due | Sep 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IN |
| Recording Date | May 12, 2026 |
| Property Address | 1704 CENTRAL AVE, WHITING, IN 46394-1662 |
| Document Number | 0000019198 |
| Instrument Date | May 8, 2026 |
| Instrument | 2026519198 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | PROPER TITLE LLC, PROPER TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 513 LUCY LN, MUNSTER, IN 46321-4197 |
| Document Number | 0000519199, |
|---|---|
| Date | May 12, 2026 |
| Instrument | 2026519199 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 304 Months |
| Due | Sep 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IN |
| Property Address | 1704 CENTRAL AVE, WHITING, IN 46394-1662 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000031911 |
|---|---|
| Date | Sep 29, 2023 |
| Instrument | 2023-531911 |
| Name | INDIANA HOUSING & COMMUNITY DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Address | WHITING, IN 46394 |
| Amount | Amount on Record |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | LAKE IN |
| Property Address | 1704 CENTRAL AVE, WHITING, IN 46394-1662 |
| Document Number | 0000015625 |
| Instrument Date | Jan 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1704 CENTRAL AVE WHITING IN 463941662, WHITING, IN 46394-1662 |
| Document Number | 0000015625 |
|---|---|
| Date | Mar 5, 2020 |
| Instrument | 15625 |
| Name | PHH MTG SVCS |
|---|---|
| Type | Mortgage Company |
| Address | WEST PALM BEACH, FL 33416-9838 |
| Amount | Amount on Record |
|---|---|
| Term | 336 Months |
| Due | Mar 4, 2048 |
| Rate | 4.25% |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | LAKE IN |
| Property Address | 1704 CENTRAL AVE, WHITING, IN 46394-1662 |
| Document Number | 0000012513 |
| Instrument Date | Jan 8, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2018 |
| Name | Verified Name |
|---|---|
| Address | 1704 CENTRAL AVE WHITING IN 463941604, WHITING, IN 46394-1604 |
| Document Number | 0000012513 |
|---|---|
| Date | Feb 27, 2018 |
| Instrument | 12513 |
| Name | OCWEN LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | WEST PALM BEACH, FL 33407 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Feb 26, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.12% |
Source: Lake County assessment roll, as of December 29, 2025
| Type | Name |
|---|---|
| State | Indiana |
| County | Lake County |
| County Subdivision | North Township |
| Municipality | Whiting City |
| Unified School District | Whiting School City (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $376,000 Land $48,500 Building $327,500 | $376,000 Land $48,500 Building $327,500 | |
| 2024 | $4,648.00 | ||
| 2023 | $310,600 (+17.43%) Land $48,500 Building $262,100 | $310,600 (+17.43%) Land $48,500 Building $262,100 | |
| 2022 | $3,941.00 Homeowner's exemption | $264,500 Land $48,500 Building $216,000 | $264,500 Land $48,500 Building $216,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1704 Central Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1983.
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 |
| Nearby Flood Claims | 1 (1983) |
| Most Recent Claim | Aug 1983 · 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.
The area around 1704 Central Ave 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 | WHITING WATER DEPARTMENT serves 4,900 people · EPA ID IN5245048 |
|---|---|
| Water Source | Purchased surface water from HAMMOND WATER WORKS DEPARTMENT |
| Last State Inspection | Nov 2024 |
| Lead | 4 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 1,011 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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