2776 Monroe St, Gary, IN 46407 Property Records

Lake County property record for 2776 Monroe St, Gary, IN 46407

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,551 sqft · built 1965
Lot Size	0.139 acres (6,055 sqft)
Owner	2 Individual Names on File
Last Sale	$108,800 (Dec 2018)
Tax Bill	$686 (2024)
Deeds & Mortgages	Feb 2019 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-25-46-0222-0019`

Property Details

APN / Parcel Number

Primary APN	`001-25-46-0222-0019`
Alternative APNs	`45-08-16-454-026.000-004` `254602220019`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,551 sqft Living Area
Gross Area	1,876 sqft
1st Floor Area	1,551 sqft
Family Room	Family Room

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1975
Construction Type	Frame
Roof Material	Asphalt
Lot Area	6,055 sqft (0.139 acres)
Lot Dimensions	121 ft deep x 50 ft wide
View / Lot	Alley
Garage Type	Attached
Garage Area	325 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2776 MONROE ST
City	GARY
State	IN
Zip	46407-4059
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2ND OAK PARK ADD. ALL LOTS 19 & 20 BL.67
Legal Subdivision	OAK PARK
Legal Block	67
Legal Lot Number	19,20
Jurisdiction	LAKE IN
Township / Civil Division	CALUMET
Census Block Group	2
Census Block	2008
Census Tract	12000

Owner

2776 Monroe St is owned and occupied by two individuals who bought it in December 2018.

Source: Lake County records, as of December 29, 2025

Owner of Record	2 Individual Names on File
Mailing Address	2776 MONROE ST, GARY, IN 46407-4059
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2018 · Amount on File
Deed Sale	Dec 28, 2018 · Amount on File
Deed Document Number	201889586
Prior Transfer Date	Oct 14, 2018
Prior Transfer Doc	0000089586
Record Updated	Oct 29, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	2776 MONROE ST, GARY, IN 46407-4059
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009658
Date	Feb 14, 2019
Instrument	2019 009658

Lender

Name	COMMISSIONER OF HSNG & URBAN DEVELOPMENT
Type	Non-Lending Institution
Address	WASHINGTON, DC 20410

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	766 Months
Due	Dec 29, 2082

Interest

Rate Type	Adjustable Rate
Rate	4.49%
Type Change Date	Dec 1, 2019
Change Frequency	Annually
Min Rate At Change	2%
Index	1-Year LIBOR
Max Rate	5%

Tax Assessment & Valuation

Source: Lake County assessment roll, as of December 29, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	Lake County
County Subdivision	Calumet Township
Municipality	Gary City
Unified School District	Gary Community School Corporation (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$59,900 Land $6,800 Building $53,100	$59,900 Land $6,800 Building $53,100
2024	$686.00
2023		$51,700 (+23.39%) Land $7,700 Building $44,000	$51,700 (+23.39%) Land $7,700 Building $44,000
2022	$480.00 Homeowner's exemption	$41,900 Land $3,000 Building $38,900	$41,900 Land $3,000 Building $38,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2776 Monroe St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	2 in force
Nearby Flood Claims	3 (2008–2026)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 2026 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Sep 2008 · 2 claims

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

Wildfire risk around 2776 Monroe St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.9% 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	INDIANA AMERICAN WATER - NORTHWEST private · serves 210,510 people · EPA ID IN5245015
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20