355 S Howard St, Gary, IN 46403 Property Records

Lake County property record for 355 S Howard St, Gary, IN 46403

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,728 sqft · built 1950
Lot Size	0.143 acres (6,229 sqft)
Owner	Individual Name on Record
Last Sale	$155,944 (Aug 2026)
Tax Bill	$1,235 (2024)
Deeds & Mortgages	Aug 2026 Mortgage May 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-25-43-0248-0018`

Property Details

APN / Parcel Number

Primary APN	`001-25-43-0248-0018`
Alternative APNs	`45-09-06-278-007.000-004` `254302480018`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,728 sqft Living Area
1st Floor Area	864 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2021
Construction Type	Frame
Roof Material	Asphalt
Lot Area	6,229 sqft (0.143 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Area	864 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	355 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.18 BL.8
Legal Subdivision	GATEWAY OF THE DUNES
Legal Block	8
Legal Lot Number	18
Jurisdiction	LAKE IN
Township / Civil Division	CALUMET
Census Block Group	1
Census Block	1017
Census Tract	10206

Owner

Source: Lake County records, as of September 21, 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	355 S HOWARD ST, GARY, IN 46403-2388
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS
May 23, 2023	Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP
May 25, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2026 · Amount on Record
Deed Sale	Aug 28, 2026 · Amount on Record
Prior Sale	Jan 22, 2025 · Amount on Record
Deed Document Number	2026536789
Prior Transfer Date	Jan 17, 2025
Prior Transfer Doc	0000002428
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Aug 28, 2026
Property Address	355 S HOWARD ST, GARY, IN 46403-2388
Document Number	0000536789
Instrument Date	Aug 26, 2026
Instrument	2026536789
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	355 S HOWARD ST, GARY, IN 46403-2388

Mortgage

Document Number	0000536790,
Date	Aug 28, 2026
Instrument	2026536790

Lender

Name	NEIGHBORHOOD LOANS

Agreement

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

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	May 23, 2023
Property Address	355 S HOWARD ST, GARY, IN 46403-2388
Document Number	0000013959
Map Reference	MB 20 PG 4
Instrument Date	May 19, 2023
Instrument	2023-013959
Transaction Type	Transfer
Record Updated	Jul 28, 2023
Title Company	COMMUNITIES TITLE COMPANY, COMMUNITY TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 HAUWIDE DR, VALPARAISO, IN 46385

Mortgage

Document Number	0000013960
Date	May 23, 2023
Instrument	2023-013960

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IN
Recording Date	May 25, 2022
Property Address	355 S HOWARD ST, GARY, IN 46403-2388
Document Number	0000017259
Instrument Date	May 14, 2022
Instrument	2022-017259
Transaction Type	Transfer
Record Updated	May 22, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2170 ROOSEVELT ST, GARY, IN 46404-3049

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5656 BREMEN AVE, PORTAGE, IN 46368-5430

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		$152,400 (+227.04%) Land $11,700 Building $140,700	$152,400 (+227.04%) Land $11,700 Building $140,700
2024	$1,235.00 (+42.77%)
2023		$46,600 (+37.87%) Land $11,800 Building $34,800	$46,600 (+37.87%) Land $11,800 Building $34,800
2022	$865.00 (-70.51%)	$33,800 Land $7,000 Building $26,800	$33,800 Land $7,000 Building $26,800
2021	$2,933.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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

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