3214 Ridge Rd, Highland, IN 46322 Property Records

Lake County property record for 3214 Ridge Rd, Highland, IN 46322

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,120 sqft · built 1941
Lot Size	0.127 acres (5,550 sqft)
Owner	2 Owner Names on Record
Tax Bill	$2,130 (2024)
Deeds & Mortgages	Dec 2021 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`007-16-27-0139-0004`

Property Details

APN / Parcel Number

Primary APN	`007-16-27-0139-0004`
Alternative APNs	`45-07-22-356-004.000-026` `162701390004`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
Basement Area	1,120 sqft

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1995
Construction Type	Wood
Roof Material	Asphalt
Lot Area	5,550 sqft (0.127 acres)
Lot Dimensions	111 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	007-16-27-0139-0004
Old Parcel Number	162701390004
Street Address	3214 RIDGE RD
City	HIGHLAND
State	IN
Zip	46322-2022
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIDGEWAY ADD. L.4 BL.2
Legal Subdivision	RIDGEWAY ADD
Legal Block	2
Legal Lot Number	4
Jurisdiction	LAKE IN
Township / Civil Division	NORTH
Census Block Group	3
Census Block	3021
Census Tract	40801

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 Owner Names on Record
Mailing Address	3214 RIDGE RD, HIGHLAND, IN 46322-2022
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Oct 3, 2019	Deed of Trust, Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2006
Deed Sale	Jul 11, 2006
Prior Sale	Jul 11, 2006
Deed Document Number	0000059538
Last Transfer Date	Aug 19, 2013
Transfer Doc	0000060896
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	3214 RIDGE RD, HIGHLAND, IN 46322-2022
Transaction Type	Mortgage
Record Updated	Dec 27, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043017
Date	Dec 16, 2021
Instrument	2021-543017

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jan 1, 2047

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	3214 RIDGE RD, HIGHLAND, IN 46322-2022
Document Number	0000070421
Instrument Date	Oct 3, 2019
Transaction Type	Mortgage
Record Updated	Oct 30, 2019
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3214 RIDGE RD HIGHLAND IN 463222022, HIGHLAND, IN 46322-2022

Mortgage

Document Number	0000070421
Date	Oct 16, 2019
Instrument	70421

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 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	North Township
Municipality	Highland Town
Unified School District	Highland School Town (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$224,100 (+15.58%) Land $29,600 Building $194,500	$224,100 (+15.58%) Land $29,600 Building $194,500
2024	$2,130.00 (+25.96%)
2023		$193,900 (+9.86%) Land $29,600 Building $164,300	$193,900 (+9.86%) Land $29,600 Building $164,300
2022	$1,691.00	$176,500 Land $29,600 Building $146,900	$176,500 Land $29,600 Building $146,900

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	1 in force
Nearby Flood Claims	1 (1994)
Most Recent Claim	Feb 1994 · rainfall accumulation

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	Not rated no burnable land within 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	HIGHLAND WATER WORKS serves 23,984 people · EPA ID IN5245021
Water Source	Purchased surface water from HAMMOND WATER WORKS DEPARTMENT
Last State Inspection	Jan 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	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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 601 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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