Lake County property record for 1927 Spruce Cir, Munster, IN 46321
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 5,544 sqft · built 2007 |
| Lot Size | 0.132 acres (5,740 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $530,100 (Jun 2017) |
| Tax Bill | $9,201 (2024) |
| Deeds & Mortgages | Jun 2020 Mortgage Jun 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 007-18-28-0585-0110 |
| Primary APN | 007-18-28-0585-0110 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 17 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 5,544 sqft Living Area |
| Gross Area | 7,080 sqft |
| Basement Area | 1,970 sqft |
| Finished Basement | 1,700 sqft |
| Unfinished Basement | 270 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2010 |
| Construction Type | Concrete Block |
| Roof Material | Asphalt |
| Lot Area | 5,740 sqft (0.132 acres) |
| Lot Dimensions | 140 ft deep x 41 ft wide |
| Garage Type | Attached |
| Garage Area | 794 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 1927 SPRUCE CIR |
|---|---|
| City | MUNSTER |
| State | IN |
| Zip | 46321-3858 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R33 |
| Legal Description | WHITE OAK ESTATES BL FOUR LOT 277 |
| Legal Subdivision | WHITE OAK ESTATES |
| Legal Lot Number | 277 |
| Jurisdiction | LAKE IN |
| Township / Civil Division | NORTH |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 40402 |
1927 Spruce Cir is owned and occupied by two individuals who bought it in June 2017.
Source: Lake County records, as of December 29, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1927 SPRUCE CIR, MUNSTER, IN 46321-3858 |
| 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 |
|---|---|
| Jun 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN COMMUNITY BANK OF INDIANA |
| Jun 16, 2017 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN COMMUNITY BANK OF INDIANA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 16, 2017 · Amount on File |
| Deed Sale | Jun 16, 2017 · Amount on File |
| Prior Sale | May 8, 2008 · Amount on File |
| Deed Document Number | 201736918 |
| Prior Transfer Date | Nov 15, 2007 |
| Prior Transfer Doc | 2007098526 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IN |
| Property Address | 1927 SPRUCE CIR, MUNSTER, IN 46321-3858 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000037594 |
|---|---|
| Date | Jun 19, 2020 |
| Instrument | 2020 037594 |
| Name | AMERICAN COMMUNITY BANK OF INDIANA |
|---|---|
| Type | Bank |
| Address | SAINT JOHN, IN 46373 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 11, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IN |
| Recording Date | Jun 16, 2017 |
| Property Address | 1927 SPRUCE CIR, MUNSTER, IN 46321-3858 |
| Document Number | 0000036918 |
| Map Reference | MV79 PG56 |
| Instrument Date | Jun 7, 2017 |
| Instrument | 2017 036918 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | GREAT INDIANA TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Document Number | 0000036919 |
|---|---|
| Date | Jun 16, 2017 |
| Instrument | 2017 036919 |
| Name | AMERICAN COMMUNITY BANK OF INDIANA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2047 |
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 | $736,500 Land $66,000 Building $670,500 | $736,500 Land $66,000 Building $670,500 | |
| 2024 | $9,201.00 | ||
| 2023 | $686,800 (+6.85%) Land $49,700 Building $637,100 | $686,800 (+6.85%) Land $49,700 Building $637,100 | |
| 2022 | $8,744.00 Homeowner's exemption | $642,800 Land $49,700 Building $593,100 | $642,800 Land $49,700 Building $593,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1927 Spruce Cir in Zone X, an area of minimal flood risk.
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 Policies | 4 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.
The area around 1927 Spruce Cir 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 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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