322 Waite St, Gary, IN 46404 Property Records

Lake County property record for 322 Waite St, Gary, IN 46404

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,600 sqft · built 1949
Lot Size	0.126 acres (5,489 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (Jun 2023)
Tax Bill	$585 (2024)
Deeds & Mortgages	Jun 2023 Mortgage Jun 2023 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`001-25-42-0315-0013`

Property Details

APN / Parcel Number

Primary APN	`001-25-42-0315-0013`
Alternative APNs	`45-08-06-279-013.000-004` `254203150013`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,600 sqft Living Area
Gross Area	2,400 sqft
1st Floor Area	1,600 sqft
Basement Area	800 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 2000
Construction Type	Concrete Block
Roof Material	Asphalt
Lot Area	5,489 sqft (0.126 acres)
Lot Dimensions	110 ft deep x 50 ft wide
View / Lot	Alley
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	322 WAITE ST
City	GARY
State	IN
Zip	46404-1069
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L.I. COMBS & SONS 3RD SUB. ALL L.13 BL.4
Legal Subdivision	L.I. COMBS & SONS 3RD SUB
Legal Block	4
Legal Lot Number	13
Jurisdiction	LAKE IN
Township / Civil Division	CALUMET
Census Block Group	1
Census Block	1006
Census Tract	10203

Owner

322 Waite St is owned and occupied by an individual who bought it in June 2023.

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

Owner of Record	Individual Name on File
Mailing Address	322 WAITE ST, GARY, IN 46404-1069
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 30, 2023	Warranty Deed, Transfer · FHA Mortgage BMO HARRIS BANK NA
Jun 30, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage INDIANA HOUSING & COMMUNITY DEVELOP
Jul 29, 2022	Re-recorded Document
Jun 29, 2022	Quit Claim Deed, Transfer Quitclaim
Jan 28, 2022	Quit Claim Deed, Transfer Quitclaim
Jan 10, 2022	Affidavit of Death of Joint Tenant, Transfer
Jan 10, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2023 · Amount on File
Deed Sale	Jun 30, 2023 · Amount on File
Prior Sale	Jun 30, 2023
Deed Document Number	2023520734
Prior Transfer Date	May 12, 2023
Prior Transfer Doc	0000020733
Record Updated	Sep 20, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Jun 30, 2023
Property Address	322 WAITE ST, GARY, IN 46404-1069
Document Number	0000020734
Map Reference	MB 27 PG 96
Instrument Date	Jun 28, 2023
Instrument	2023-520734
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	MTC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 WAITE ST, GARY, IN 46404-1069

Mortgage

Document Number	0000020735
Date	Jun 30, 2023
Instrument	2023-520735

Lender

Name	BMO HARRIS BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IN
Recording Date	Jun 30, 2023
Property Address	322 WAITE ST, GARY, IN 46404-1069
Document Number	0000020733
Map Reference	MB 27 PG 96
Instrument Date	May 12, 2023
Instrument	2023-520733
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	MTC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2560 FRYE ST, GARY, IN 46405-1336

Mortgage

Document Number	0000020736
Date	Jun 30, 2023
Instrument	2023-520736

Lender

Name	INDIANA HOUSING & COMMUNITY DEVELOP
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2022: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	LAKE IN
Recording Date	Jul 29, 2022
Property Address	322 WAITE ST, GARY, IN 46404-1069
Document Number	0000024599
Instrument Date	Jun 29, 2022
Instrument	2022-024599
Record Updated	Aug 5, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4009 PULASKI ST, 4009, EAST CHICAGO, IN 46312-2801

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2560 FRYE ST, GARY, IN 46405-1336

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IN
Recording Date	Jun 29, 2022
Property Address	322 WAITE ST, GARY, IN 46404-1069
Document Number	0000020695
Instrument Date	Jun 28, 2022
Instrument	2022-020695
Transaction Type	Transfer
Record Updated	Jul 7, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4009 PULST ST, 4009, EAST CHICAGO, IN 46312

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2560 FRYE ST, LAKE STATION, IN 46405-1336

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IN
Recording Date	Jan 28, 2022
Property Address	322 WAITE ST, GARY, IN 46404-1069
Document Number	0000003843
Instrument Date	Jan 7, 2022
Instrument	2022-003843
Transaction Type	Transfer
Record Updated	Feb 7, 2022

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 WAITE ST, GARY, IN 46404-1069

January 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	LAKE IN
Recording Date	Jan 10, 2022
Property Address	322 WAITE ST, GARY, IN 46404-1069
Document Number	0000000692
Instrument Date	Jan 7, 2022
Instrument	2022-000692
Transaction Type	Transfer
Record Updated	Feb 7, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IN
Recording Date	Jan 10, 2022
Property Address	322 WAITE ST, GARY, IN 46404-1069
Document Number	0000000697
Instrument Date	Jan 7, 2022
Instrument	2022-000697
Transaction Type	Transfer
Record Updated	Feb 7, 2022

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 WALL PARCEL, GARY, IN 46404

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		$126,500 Land $7,900 Building $118,600	$126,500 Land $7,900 Building $118,600
2024	$585.00
2023		$46,700 (+9.37%) Land $8,400 Building $38,300	$46,700 (+9.37%) Land $8,400 Building $38,300
2022		$42,700 Land $5,000 Building $37,700	$42,700 Land $5,000 Building $37,700

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 322 Waite 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 322 Waite 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 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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