308 S Howard St, Gary, IN 46403 Property Records

Lake County property record for 308 S Howard St, Gary, IN 46403

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,292 sqft · built 1928
Lot Size	0.143 acres (6,229 sqft)
Owner	Individual Name on File
Last Sale	$218,175 (Jun 2026)
Tax Bill	$1,230 (2024)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Dec 2020 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`001-25-42-0174-0002`

Property Details

APN / Parcel Number

Primary APN	`001-25-42-0174-0002`
Alternative APNs	`45-09-06-277-015.000-004` `254201740002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,292 sqft Living Area
Gross Area	3,438 sqft
1st Floor Area	1,146 sqft
Basement Area	1,146 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1990
Construction Type	Frame
Roof Material	Asphalt
Lot Area	6,229 sqft (0.143 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Terrain	Rolling
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	308 S HOWARD ST
City	GARY
State	IN
Zip	46403-2387
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DALYS 3RD ADD. L.2 BL.22
Legal Subdivision	DALYS 3RD ADD
Legal Block	22
Legal Lot Number	2
Jurisdiction	LAKE IN
Township / Civil Division	CALUMET
Census Block Group	1
Census Block	1018
Census Tract	10206

Owner

308 S Howard St is owned and occupied by an individual who bought it in June 2026.

Source: Lake County records, as of June 17, 2026

Owner of Record	Individual Name on File
Mailing Address	308 S HOWARD ST, GARY, IN 46403-2387
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

Date	Document
Jun 9, 2026	Warranty Deed, Transfer · FHA Mortgage DIRECT MORTGAGE LOAN
Dec 21, 2020	Grant Deed, Transfer NOT AVAILABLE
Dec 21, 2020	Quit Claim Deed, Foreclosure ATTORNEY ONLY
May 29, 2020	Correction Deed ATTORNEY ONLY
Oct 17, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY
Feb 23, 2018	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2026 · Amount on File
Deed Sale	Jun 9, 2026 · Amount on File
Prior Sale	Dec 21, 2020 · Amount on File
Deed Document Number	2026523703
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Jun 9, 2026
Property Address	308 S HOWARD ST, GARY, IN 46403-2387
Document Number	0000523703
Instrument Date	Jun 1, 2026
Instrument	2026523703
Transaction Type	Transfer
Record Updated	Jun 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 S HOWARD ST, GARY, IN 46403-2387
Investor	Possibly a Property Investor

Mortgage

Document Number	0000523704,
Date	Jun 9, 2026
Instrument	2026523704

Lender

Name	DIRECT MORTGAGE LOAN

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE IN
Recording Date	Dec 21, 2020
Property Address	308 S HOWARD ST, GARY, IN 46403-2387
Document Number	0000094522
Instrument Date	Dec 18, 2020
Instrument	94522
Transaction Type	Transfer
Record Updated	Jan 12, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	308 S HOWARD ST GARY IN 464032387, GARY, IN 46403-2387

December 2020: Quit Claim Deed, Foreclosure

Document Type	Quit Claim Deed
Jurisdiction	LAKE IN
Recording Date	Dec 21, 2020
Property Address	308 S HOWARD ST, GARY, IN 46403-2387
Document Number	0000094520
Instrument Date	Nov 12, 2020
Instrument	94520
Transaction Type	Foreclosure
Record Updated	Jan 12, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	1 MORTGAGE WAY MOUNT LAUREL NJ 080544637, MOUNT LAUREL, NJ 08054-4637

May 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	LAKE IN
Recording Date	May 29, 2020
Property Address	308 S HOWARD ST, GARY, IN 46403-2387
Document Number	0000030920
Instrument Date	May 29, 2020
Instrument	30920
Record Updated	Jun 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 MORTGAGE WAY MOUNT LAUREL NJ 080544637, MOUNT LAUREL, NJ 08054-4637

October 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	LAKE IN
Recording Date	Oct 17, 2019
Property Address	308 S HOWARD ST, GARY, IN 46403-2387
Document Number	0000070814
Instrument Date	Oct 4, 2019
Instrument	70814
Transaction Type	Foreclosure
Record Updated	Oct 29, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 MORTGAGE WAY MOUNT LAUREL NJ 080544637, MOUNT LAUREL, NJ 08054-4637

February 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	LAKE IN
Recording Date	Feb 23, 2018
Property Address	308 S HOWARD ST, GARY, IN 46403-2387
Document Number	0000012305
Instrument Date	Jan 4, 2018
Instrument	12305
Transaction Type	Transfer
Record Updated	Apr 4, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 S HOWARD ST GARY IN 464032387, GARY, IN 46403-2387

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		$137,300 Land $11,700 Building $125,600	$137,300 Land $11,700 Building $125,600
2024	$1,230.00
2023		$46,400 (+34.88%) Land $11,800 Building $34,600	$46,400 (+34.88%) Land $11,800 Building $34,600
2022	$881.00	$34,400 Land $7,000 Building $27,400	$34,400 Land $7,000 Building $27,400

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 308 S Howard St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 16, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 308 S Howard St is low, with 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 80% of the US · above 73% of Indiana
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 254 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S Howard St

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