359 S Jay St, Gary, IN 46403 Property Records

Lake County property record for 359 S Jay St, Gary, IN 46403

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,184 sqft · built 1965
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$141,800 (Dec 2021)
Tax Bill	$1,846 (2024)
Deeds & Mortgages	Dec 2023 Mortgage Dec 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`001-25-46-0494-0043`

Property Details

APN / Parcel Number

Primary APN	`001-25-46-0494-0043`
Alternative APNs	`45-09-05-156-013.000-004` `254604940043`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,184 sqft Living Area
Gross Area	3,276 sqft
1st Floor Area	1,092 sqft
Basement Area	1,092 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 2018
Construction Type	Frame
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	140 ft deep x 56 ft wide
Garage Area	1,092 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	359 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 L.43 BL.D EX N 6FT
Legal Subdivision	MILLER DUNES ADD
Legal Block	D
Legal Lot Number	43
Jurisdiction	LAKE IN
Township / Civil Division	CALUMET
Census Block Group	1
Census Block	1023
Census Tract	10207

Owner

Source: Lake County records, as of December 29, 2025

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	359 S JAY ST, GARY, IN 46403-2464
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 8, 2022	Deed of Trust, Mortgage INDIANA HOUSING & COMMUNITY DEVELOPMENT
Dec 1, 2021	Re-recorded Document · FHA Mortgage DIRECT MORTGAGE LOANS LLC
Nov 8, 2021	Warranty Deed, Transfer · FHA Mortgage DIRECT MORTGAGE LOANS LLC
Jun 30, 2021	Sheriff's Deed, Foreclosure
Oct 5, 2018	Deed, Transfer · Conventional Mortgage CENTIER BANK
Dec 6, 2017	Deed, Transfer MERIDIAN TITLE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2021 · Amount on Record
Deed Sale	Dec 1, 2021 · Amount on Record
Prior Sale	Nov 8, 2021 · Amount on Record
Deed Document Number	2021540732
Prior Transfer Date	Jun 4, 2021
Prior Transfer Doc	0000044849
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	359 S JAY ST, GARY, IN 46403-2464
Transaction Type	Mortgage
Record Updated	Dec 29, 2023
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	359 S JAY ST, GARY, IN 46403-2464

Mortgage

Document Number	0000041720
Date	Dec 20, 2023
Instrument	2023-541720

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Dec 1, 2051

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	359 S JAY ST, GARY, IN 46403-2464
Transaction Type	Mortgage
Record Updated	Dec 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048718
Date	Dec 8, 2022
Instrument	2022-548718

Lender

Name	INDIANA HOUSING & COMMUNITY DEVELOPMENT
Type	Government Agency
Address	GARY, IN 46403

Agreement

Amount	Amount Recorded

December 2021: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	LAKE IN
Recording Date	Dec 1, 2021
Property Address	359 S JAY ST, GARY, IN 46403-2464
Document Number	0000040732
Map Reference	MB 25 PG 16
Instrument Date	Nov 24, 2021
Instrument	2021-540732
Record Updated	Mar 31, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	959 S JAY ST, GARY, IN 46403

Mortgage

Document Number	0000040733
Date	Dec 1, 2021
Instrument	2021-540733

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Nov 8, 2021
Property Address	359 S JAY ST, GARY, IN 46403-2464
Document Number	0000037025
Map Reference	MB 25 PG 16
Instrument Date	Nov 2, 2021
Instrument	2021-537025
Transaction Type	Transfer
Record Updated	Mar 31, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE 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	359 S JAY ST, GARY, IN 46403-2464

Mortgage

Document Number	0000037026
Date	Nov 8, 2021
Instrument	2021-537026

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

June 2021: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	LAKE IN
Recording Date	Jun 30, 2021
Property Address	359 S JAY ST, GARY, IN 46403-2464
Document Number	0000044849
Map Reference	MB 25 PG 16
Instrument Date	Jun 4, 2021
Instrument	2021-044849
Transaction Type	Foreclosure
Record Updated	Mar 31, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2929 JEWETT AVE, HIGHLAND, IN 46322-1618
Investor	Possibly a Property Investor

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE IN
Recording Date	Oct 5, 2018
Property Address	359 S JAY ST, GARY, IN 46403-2464
Document Number	0000068818
Map Reference	MB25 PG16
Instrument Date	Sep 28, 2018
Instrument	2018 068818
Transaction Type	Transfer
Record Updated	Mar 31, 2022
Title Company	HOLD FOR MERIDIAN 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	2645 W 86TH ST, CHICAGO, IL 60652-3931

Mortgage

Document Number	0000068819
Date	Oct 5, 2018
Instrument	2018 068819

Lender

Name	CENTIER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

Mortgage

Document Number	0000068820
Date	Oct 5, 2018
Instrument	2018 068820

Lender

Name	CENTIER BANK
Type	Bank
Address	MERRILLVILLE, IN 46410

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2033

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE IN
Recording Date	Dec 6, 2017
Property Address	359 S JAY ST, GARY, IN 46403-2464
Document Number	0000082839
Map Reference	MB25 PG16
Instrument Date	Nov 9, 2017
Instrument	2017 082839
Transaction Type	Transfer
Record Updated	Mar 31, 2022
Title Company	MERIDIAN TITLE CORP

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9800 CONNECTICUT DR # B2-900, B2-900, CROWN POINT, IN 46307-7840
Investor	Possibly a Property Investor

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		$161,700 (+9.63%) Land $14,000 Building $147,700	$161,700 (+9.63%) Land $14,000 Building $147,700
2024	$1,846.00 (+1.99%)
2023		$147,500 (+1.1%) Land $13,800 Building $133,700	$147,500 (+1.1%) Land $13,800 Building $133,700
2022	$1,810.00 Homeowner's exemption	$145,900 Land $8,200 Building $137,700	$145,900 Land $8,200 Building $137,700

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