323 S Howard St, Gary, IN 46403 Property Records

Lake County property record for 323 S Howard St, Gary, IN 46403

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 530 sqft · built 1929
Lot Size	0.142 acres (6,229 sqft)
Owner	Individual Name on Record
Tax Bill	$747 (2024)
Deeds & Mortgages	Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-25-43-0248-0022`

Property Details

APN / Parcel Number

Primary APN	`001-25-43-0248-0022`
Alternative APNs	`45-09-06-278-003.000-004` `254302480022`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	2 Rooms
Stories	1 Story
Building Area	530 sqft Living Area

Exterior

Year Built	Built 1929
Effective Year Built	Effective 2002
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
Deck Area	64 sqft
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	001-25-43-0248-0022
Old Parcel Number	254302480022
Street Address	323 S HOWARD ST
City	GARY
State	IN
Zip	46403-2388
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GATEWAY OF THE DUNES L.22 BL.8
Legal Subdivision	GATWAY OF THE DUNES
Legal Block	8
Legal Lot Number	22
Jurisdiction	LAKE IN
Township / Civil Division	CALUMET
Census Block Group	1
Census Block	1017
Census Tract	10206

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	Individual Name on Record
Mailing Address	323 S HOWARD ST, GARY, IN 46403-2388
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2018
Deed Sale	Dec 17, 2018
Prior Sale	Dec 2, 2016
Deed Document Number	2018 086563
Record Updated	Jun 8, 2026

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Dec 17, 2018
Property Address	323 S HOWARD ST, GARY, IN 46403-2388
Document Number	0000086563
Map Reference	MB20 PG4
Instrument Date	Dec 11, 2018
Instrument	2018 086563
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	COMMUNITY TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 S HOWARD ST, GARY, IN 46403-2388

Mortgage

Document Number	0000086564
Date	Dec 17, 2018
Instrument	2018 086564

Lender

Name	CME LENDING GROUP LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 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		$66,400 (+8.67%) Land $11,700 Building $54,700	$66,400 (+8.67%) Land $11,700 Building $54,700
2024	$747.00 (+34.84%)
2023		$61,100 (+31.97%) Land $11,800 Building $49,300	$61,100 (+31.97%) Land $11,800 Building $49,300
2022	$554.00 Homeowner's exemption	$46,300 Land $7,000 Building $39,300	$46,300 Land $7,000 Building $39,300

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 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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