321 Waite St, Gary, IN 46404 Property Records

Lake County property record for 321 Waite St, Gary, IN 46404

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 800 sqft · built 1948
Lot Size	0.126 acres (5,489 sqft)
Owner	Company Name on Record
Tax Bill	$569 (2024)
Deeds & Mortgages	Jun 2021 Line of Credit Sep 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`001-25-42-0314-0007`

Property Details

APN / Parcel Number

Primary APN	`001-25-42-0314-0007`
Alternative APNs	`45-08-05-151-004.000-004` `254203140007`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	800 sqft Living Area
Attic	Attic
Attic Area	800 sqft
Basement Area	800 sqft

Exterior

Year Built	Built 1948
Construction Type	Brick
Roof Material	Asphalt
Lot Area	5,489 sqft (0.126 acres)
Lot Dimensions	110 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	001-25-42-0314-0007
Old Parcel Number	254203140007
Street Address	321 WAITE ST
City	GARY
State	IN
Zip	46404-1068
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L.I. COMBS & SONS 3RD SUB. L.7 BL.3
Legal Subdivision	LI COMBS & SONS 03
Legal Block	3
Legal Lot Number	7
Jurisdiction	LAKE IN
Township / Civil Division	CALUMET
Census Block Group	1
Census Block	1008
Census Tract	10203

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	Company Name on Record
Co-owner	Co-owner on Record
Mailing Address	321 WAITE ST, GARY, IN 46404-1068
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2021	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Sep 2, 2022	Transfer on Death Deed, Transfer
Feb 12, 2021	Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO
Jul 13, 2020	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2021
Deed Sale	Feb 12, 2021
Prior Sale	Jul 13, 2020 · Amount on Record
Deed Document Number	2021-014079
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	321 WAITE ST, GARY, IN 46404-1068
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043088
Date	Jun 18, 2021
Instrument	2021-043088

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 3, 2051

September 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LAKE IN
Recording Date	Sep 2, 2022
Property Address	321 WAITE ST, GARY, IN 46404-1068
Document Number	0000031850
Map Reference	MB 27 PG 96
Instrument Date	Aug 30, 2022
Instrument	2022-031850
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE IN
Recording Date	Feb 12, 2021
Property Address	321 WAITE ST, GARY, IN 46404-1068
Document Number	0000014079
Instrument Date	Feb 11, 2021
Instrument	2021-014079
Transaction Type	Transfer
Record Updated	Jun 9, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	9800 CONNECTICUT DR # B2900, B2900, CROWN POINT, IN 46307-7840

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Jul 13, 2020
Property Address	321 WAITE ST, GARY, IN 46404-1068
Document Number	0000043893
Instrument Date	Jan 28, 2020
Instrument	43893
Transaction Type	Transfer
Record Updated	Apr 19, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 WAITE ST GARY IN 464041068, GARY, IN 46404-1068

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		$105,100 (+132.01%) Land $7,900 Building $97,200	$105,100 (+132.01%) Land $7,900 Building $97,200
2024	$569.00 (+22.63%)
2023		$45,300 (+11.85%) Land $8,400 Building $36,900	$45,300 (+11.85%) Land $8,400 Building $36,900
2022	$464.00 Homeowner's exemption	$40,500 Land $5,000 Building $35,500	$40,500 Land $5,000 Building $35,500

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

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

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 157 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
Starlink Satellite	280 / 30

May also be available: AT&T, T-Mobile.

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