323 S Jay St, Gary, IN 46403 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,950 sqft · built 1963
Lot Size	0.155 acres (6,752 sqft)
Owner	Individual Name on Record
Last Sale	$114,400 (May 2020)
Tax Bill	$1,985 (2024)
Deeds & Mortgages	Aug 2026 Mortgage Jan 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`001-25-46-0494-0040`

Property Details

APN / Parcel Number

Primary APN	`001-25-46-0494-0040`
Alternative APNs	`45-09-05-156-010.000-004` `254604940040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,950 sqft Living Area
Gross Area	2,925 sqft
1st Floor Area	975 sqft
Basement Area	975 sqft
Game Room	Game Room

Exterior

Year Built	Built 1963
Effective Year Built	Effective 2010
Construction Type	Brick
Roof Material	Asphalt
Lot Area	6,752 sqft (0.155 acres)
Lot Dimensions	130 ft deep x 52 ft wide
Garage Type	Detached
Garage Area	440 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	323 S JAY ST
City	GARY
State	IN
Zip	46403-2464
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RESUB. IN MILLER DUNES ADD. N. 52 FT. OF TRACT COMPOSED OF LOTS 40, 41, 42, 43, BL. D
Legal Subdivision	MILLER DUNES ADD
Legal Block	D
Legal Lot Number	40,41
Jurisdiction	LAKE IN
Township / Civil Division	CALUMET
Census Block Group	1
Census Block	1023
Census Tract	10207

Owner

Source: Lake County records, as of September 10, 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 JAY ST, GARY, IN 46403-2464
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE ASSURANCE
Jan 13, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
May 26, 2020	Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC
Dec 19, 2019	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2020 · Amount on Record
Deed Sale	May 26, 2020 · Amount on Record
Prior Sale	Dec 19, 2019
Deed Document Number	202029348
Prior Transfer Date	Aug 14, 2012
Prior Transfer Doc	2012054451
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Recording Date	Aug 31, 2026
Property Address	323 S JAY ST, GARY, IN 46403-2464
Document Number	0000537010
Instrument Date	Aug 24, 2026
Instrument	2026537010
Transaction Type	Mortgage
Record Updated	Sep 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 S JAY ST, GARY, IN 46403-2464

Mortgage

Document Number	0000537010,
Date	Aug 31, 2026
Instrument	2026537010

Lender

Name	MORTGAGE ASSURANCE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	323 S JAY ST, GARY, IN 46403-2464
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 S JAY ST, GARY, IN 46403-2464

Mortgage

Document Number	0000001340
Date	Jan 13, 2023
Instrument	2023-501340

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	329 Months
Due	Jun 1, 2050

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	May 26, 2020
Property Address	323 S JAY ST, GARY, IN 46403-2464
Document Number	0000029348
Map Reference	MB 25 PG 16
Instrument Date	May 8, 2020
Instrument	2020 029348
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 S JAY ST, GARY, IN 46403-2464

Mortgage

Document Number	0000029349
Date	May 26, 2020
Instrument	2020 029349

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Mortgage

Document Number	0000029350
Date	May 26, 2020
Instrument	2020 029350

Lender

Name	COMMUNITY DEVELOPMENT
Type	Government Agency
Address	GARY, IN 46402

Agreement

Amount	Amount Recorded

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Dec 19, 2019
Property Address	323 S JAY ST, GARY, IN 46403-2464
Document Number	0000087961
Instrument Date	Dec 18, 2019
Instrument	87961
Transaction Type	Transfer
Record Updated	Dec 7, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1544 MUIRFIELD DR DYER IN 463111229, DYER, IN 46311-1229

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		$171,900 (+8.73%) Land $12,400 Building $159,500	$171,900 (+8.73%) Land $12,400 Building $159,500
2024	$1,985.00 (+31.28%)
2023		$158,100 (+28.75%) Land $12,400 Building $145,700	$158,100 (+28.75%) Land $12,400 Building $145,700
2022	$1,512.00 Homeowner's exemption	$122,800 Land $7,300 Building $115,500	$122,800 Land $7,300 Building $115,500

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 · 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	2 in force

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	Low lower than 80% of the US · above 73% of Indiana
Wildfire Likelihood	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 293 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

Nearby Properties on S Jay St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures