1938 Spruce Cir, Munster, IN 46321 Property Records

Lake County property record for 1938 Spruce Cir, Munster, IN 46321

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,408 sqft · built 1998
Lot Size	0.367 acres (15,990 sqft)
Owner	2 Company Names on Record
Tax Bill	$6,415 (2024)
Deeds & Mortgages	Apr 2021 Mortgage Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`007-18-28-0585-0113`

Property Details

APN / Parcel Number

Primary APN	`007-18-28-0585-0113`
Alternative APNs	`45-07-32-178-008.000-027` `182805850113`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,408 sqft Living Area
Attic	Attic
Attic Area	576 sqft
Basement Area	1,235 sqft
Family Room	Family Room

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2005
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	15,990 sqft (0.367 acres)
Lot Dimensions	195 ft deep x 82 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	007-18-28-0585-0113
Old Parcel Number	182805850113
Street Address	1938 SPRUCE CIR
City	MUNSTER
State	IN
Zip	46321-3859
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	WHITE OAK ESTATES BL FOUR LOT 280
Legal Subdivision	WHITE OAK ESTATES
Legal Lot Number	280
Jurisdiction	LAKE IN
Township / Civil Division	NORTH
Census Block Group	2
Census Block	2001
Census Tract	40402

Owner

Source: Lake County records, as of March 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
Co-owner	Co-owner on Record
Mailing Address	1938 SPRUCE CIR, MUNSTER, IN 46321-3859
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2021	Intrafamily Transfer, Transfer · FHA Mortgage LETICIA CARRILLO
Mar 22, 2017	Deed of Trust, Mortgage · Commercial Mortgage CENTIER BANK

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Transfer Date	Apr 12, 2021
Transfer Doc	0000031444
Record Updated	Jun 8, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE IN
Recording Date	Apr 12, 2021
Property Address	1938 SPRUCE CIR, MUNSTER, IN 46321-3859
Document Number	0000031444
Map Reference	MB 79 PG 56
Instrument Date	Apr 8, 2021
Instrument	2021-031444
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1938 SPRUCE CIR, MUNSTER, IN 46321-3859

Mortgage

Document Number	0000003417
Date	Apr 12, 2021
Instrument	2021-503417

Lender

Name	LETICIA CARRILLO
Type	Private Party

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	307 Months
Due	Nov 1, 2046

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	1938 SPRUCE CIR, MUNSTER, IN 46321-3859
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018838
Date	Mar 22, 2017
Instrument	2017 018838

Lender

Name	CENTIER BANK
Type	Bank
Address	MERRILLVILLE, IN 46410

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	48 Months
Due	Mar 14, 2021

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	Lake County
County Subdivision	North Township
Municipality	Munster Town
Unified School District	Munster School Town (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$520,900 (+7.89%) Land $127,800 Building $393,100	$520,900 (+7.89%) Land $127,800 Building $393,100
2024	$6,415.00 (+4.99%)
2023		$482,800 (+6.48%) Land $112,800 Building $370,000	$482,800 (+6.48%) Land $112,800 Building $370,000
2022	$6,110.00 Homeowner's exemption	$453,400 Land $112,800 Building $340,600	$453,400 Land $112,800 Building $340,600

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
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 419 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

May also be available: AT&T.

Nearby Properties on Spruce Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures