3234 Ridge Rd, Highland, IN 46322 Property Records

Lake County property record for 3234 Ridge Rd, Highland, IN 46322

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,052 sqft · built 1941
Lot Size	0.146 acres (6,350 sqft)
Owner	2 Individual Names on Record
Last Sale	$189,700 (Jun 2022)
Tax Bill	$2,080 (2024)
Deeds & Mortgages	Mar 2026 Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`007-16-27-0140-0002`

Property Details

APN / Parcel Number

Primary APN	`007-16-27-0140-0002`
Alternative APNs	`45-07-22-357-002.000-026` `162701400002`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,052 sqft Living Area
Gross Area	4,054 sqft
1st Floor Area	1,026 sqft
Attic	Attic
Attic Area	986 sqft
Basement Area	1,016 sqft

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1985
Construction Type	Frame
Roof Material	Asphalt
Lot Area	6,350 sqft (0.146 acres)
Lot Dimensions	127 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3234 RIDGE RD
City	HIGHLAND
State	IN
Zip	46322-2024
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIDGEWAY ADD. L.2 BL.3
Legal Subdivision	RIDGEWAY ADD
Legal Block	3
Legal Lot Number	2
Jurisdiction	LAKE IN
Township / Civil Division	NORTH
Census Block Group	3
Census Block	3020
Census Tract	40801

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3234 RIDGE RD, HIGHLAND, IN 46322-2024
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2026	Deed of Trust, Mortgage · FHA Mortgage ADVANTAGEFIRST LENDING INC
Jul 7, 2021	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Jun 3, 2022	Warranty Deed, Transfer · FHA Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2022 · Amount on Record
Deed Sale	Jun 3, 2022 · Amount on Record
Prior Sale	Mar 30, 2009 · Amount on Record
Deed Document Number	2022523143
Prior Transfer Date	Dec 26, 2008
Prior Transfer Doc	2009020148
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	3234 RIDGE RD, HIGHLAND, IN 46322-2024
Transaction Type	Mortgage
Record Updated	Mar 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3234 RIDGE RD, HIGHLAND, IN 46322-2024

Mortgage

Document Number	0000009315
Date	Mar 10, 2026
Instrument	2026-509315

Lender

Name	ADVANTAGEFIRST LENDING INC
Type	Lending Institution
Address	LAKE FOREST, CA 92630

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	3234 RIDGE RD, HIGHLAND, IN 46322-2024
Transaction Type	Mortgage
Record Updated	May 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016715
Date	Jul 7, 2021
Instrument	2021-516715

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Jun 3, 2022
Property Address	3234 RIDGE RD, HIGHLAND, IN 46322-2024
Document Number	0000023143
Map Reference	MB 20 PG 24
Instrument Date	Jun 1, 2022
Instrument	2022-523143
Transaction Type	Transfer
Record Updated	May 22, 2023
Title Company	MERIDIAN TITLE, MERIDIAN TITLE CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3234 RIDGE RD, HIGHLAND, IN 46322-2024

Mortgage

Document Number	0000023144
Date	Jun 3, 2022
Instrument	2022-523144

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

Source: Lake County assessment roll, as of December 29, 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		$217,100 (+14.26%) Land $31,600 Building $185,500	$217,100 (+14.26%) Land $31,600 Building $185,500
2024	$2,080.00 (+186.11%)
2023		$190,000 (+15.78%) Land $31,600 Building $158,400	$190,000 (+15.78%) Land $31,600 Building $158,400
2022	$727.00	$164,100 Land $31,600 Building $132,500	$164,100 Land $31,600 Building $132,500

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	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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