324 Spruce Ct, Lowell, IN 46356 Property Records

Lake County property record for 324 Spruce Ct, Lowell, IN 46356

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,336 sqft · built 1996
Lot Size	0.073 acres (3,212 sqft)
Owner	Individual Name on File
Tax Bill	$2,116 (2024)
Deeds & Mortgages	Jul 2020 Mortgage Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-29-04-0186-0023`

Property Details

APN / Parcel Number

Primary APN	`010-29-04-0186-0023`
Alternative APNs	`45-19-27-232-036.000-038` `290401860023`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,336 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2005
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	3,212 sqft (0.073 acres)
Lot Dimensions	73 ft deep x 44 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	010-29-04-0186-0023
Old Parcel Number	290401860023
Street Address	324 SPRUCE CT
City	LOWELL
State	IN
Zip	46356-1768
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MEADOWBROOK PHASE 2 LOT 31
Legal Subdivision	MEADOWBROOK PH 02
Legal Phase	2
Legal Lot Number	31
Jurisdiction	LAKE IN
Township / Civil Division	WEST CREEK
Census Block Group	4
Census Block	4001
Census Tract	43401

Owner

324 Spruce Ct is owned and occupied by an individual who acquired it in September 2019.

Source: Lake County records, as of March 18, 2026

Owner of Record	Individual Name on File
Mailing Address	324 SPRUCE CT, LOWELL, IN 46356-1768
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
Jul 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage DEMOTTE STATE BANK
Sep 9, 2019	Warranty Deed, Transfer · FHA Mortgage GVC MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2019
Deed Sale	Sep 9, 2019
Prior Sale	Jul 7, 2010
Deed Document Number	2019 061099
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	324 SPRUCE CT, LOWELL, IN 46356-1768
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047833
Date	Jul 28, 2020
Instrument	2020 047833

Lender

Name	DEMOTTE STATE BANK
Type	Bank
Address	DEMOTTE, IN 46310

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Sep 9, 2019
Property Address	324 SPRUCE CT, LOWELL, IN 46356-1768
Document Number	0000061099
Map Reference	MB 76 PG 75
Instrument Date	Aug 23, 2019
Instrument	2019 061099
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	CHICAGO TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 SPRUCE CT, LOWELL, IN 46356-1768

Mortgage

Document Number	0000061100
Date	Sep 9, 2019
Instrument	2019 061100

Lender

Name	GVC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 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	West Creek Township
Municipality	Lowell Town
Unified School District	Tri-Creek School Corporation (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$223,100 Land $32,900 Building $190,200	$223,100 Land $32,900 Building $190,200
2024	$2,116.00
2023		$203,200 (+10.49%) Land $32,900 Building $170,300	$203,200 (+10.49%) Land $32,900 Building $170,300
2022	$1,839.00 Homeowner's exemption	$183,900 Land $32,900 Building $151,000	$183,900 Land $32,900 Building $151,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 324 Spruce Ct 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 324 Spruce Ct 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 98% of the US · lower than 85% 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 - LOWELL serves 11,908 people · EPA ID IN5245029
Water Source	Groundwater influenced by surface water
Last State Inspection	Jun 2024
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Dec 2022 Total trihalomethanes resolved · Jan 2020
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 422 locations within half a mile, as of December 31, 2025

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

May also be available: Surf Internet, Verizon.

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