312 S Howard St, Gary, IN 46403 Property Records

Lake County property record for 312 S Howard St, Gary, IN 46403

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,764 sqft · built 1937
Lot Size	0.142 acres (6,229 sqft)
Owner	Individual Name on File
Tax Bill	$867 (2024)
Deeds & Mortgages	Jun 2021 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-25-42-0174-0003`

Property Details

APN / Parcel Number

Primary APN	`001-25-42-0174-0003`
Alternative APNs	`45-09-06-277-016.000-004` `254201740003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,764 sqft Living Area
Attic	Attic
Attic Area	1,008 sqft
Basement Area	1,008 sqft
Game Room	Game Room
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Construction Type	Wood
Roof Material	Asphalt
Lot Area	6,229 sqft (0.142 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Terrain	Rolling

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	001-25-42-0174-0003
Old Parcel Number	254201740003
Street Address	312 S HOWARD ST
City	GARY
State	IN
Zip	46403-2387
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DALY'S 3RD ADD. L.3 BL.22
Legal Subdivision	DALYS THIRD ADDITION
Legal Block	22
Legal Lot Number	3
Jurisdiction	LAKE IN
Township / Civil Division	CALUMET
Census Block Group	1
Census Block	1018
Census Tract	10206

Owner

312 S Howard St is owned and occupied by an individual who acquired it in March 2009.

Source: Lake County records, as of March 18, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	312 S HOWARD ST, GARY, IN 46403-2387
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2021	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Oct 18, 2019	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 17, 2009
Transfer Doc	2009016804
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	312 S HOWARD ST, GARY, IN 46403-2387
Transaction Type	Mortgage
Record Updated	Jul 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015344
Date	Jun 25, 2021
Instrument	2021-515344

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	312 S HOWARD ST, GARY, IN 46403-2387
Document Number	0000073813
Instrument Date	Oct 18, 2019
Transaction Type	Mortgage
Record Updated	Nov 6, 2019
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	312 S HOWARD ST GARY IN 464032387, GARY, IN 46403-2387

Mortgage

Document Number	0000073813
Date	Oct 28, 2019
Instrument	73813

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 27, 2049

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 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		$78,400 Land $11,700 Building $66,700	$78,400 Land $11,700 Building $66,700
2024	$867.00
2023		$71,800 (+33.96%) Land $11,800 Building $60,000	$71,800 (+33.96%) Land $11,800 Building $60,000
2022	$597.00 Homeowner's exemption	$53,600 Land $7,000 Building $46,600	$53,600 Land $7,000 Building $46,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 312 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 312 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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