378 S Howard St, Gary, IN 46403 Property Records

Lake County property record for 378 S Howard St, Gary, IN 46403

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,389 sqft · built 1947
Lot Size	0.143 acres (6,229 sqft)
Owner	Individual Name on File
Tax Bill	$887 (2024)
Deeds & Mortgages	Jul 2026 Mortgage Apr 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`001-25-42-0174-0011`

Property Details

APN / Parcel Number

Primary APN	`001-25-42-0174-0011`
Alternative APNs	`45-09-06-277-022.000-004` `254201740011`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,389 sqft Living Area
Gross Area	2,401 sqft
1st Floor Area	1,389 sqft
Basement Area	1,012 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Construction Type	Frame
Roof Material	Asphalt
Lot Area	6,229 sqft (0.143 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Terrain	Rolling
Garage Type	Detached
Garage Area	480 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	378 S HOWARD ST
City	GARY
State	IN
Zip	46403-2387
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DALYS 3RD ADD. L.10 BL.22
Legal Subdivision	DALYS 3RD ADD
Legal Block	22
Legal Lot Number	10
Jurisdiction	LAKE IN
Township / Civil Division	CALUMET
Census Block Group	1
Census Block	1018
Census Tract	10206

Owner

378 S Howard St is owned and occupied by an individual who acquired it in April 2026.

Source: Lake County records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	378 S HOWARD ST, GARY, IN 46403-2387
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 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION FEDERAL CREDIT UNION
Apr 1, 2024	Deed of Trust, Mortgage · Line of Credit BMO BANK NA
Jan 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BANK NA
Apr 20, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2026
Deed Sale	Apr 20, 2026
Deed Document Number	20268703
Prior Transfer Date	Feb 29, 2024
Prior Transfer Doc	0000007691
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Recording Date	Jul 14, 2026
Property Address	378 S HOWARD ST, GARY, IN 46403-2387
Document Number	0000529360
Instrument Date	Jul 6, 2026
Instrument	2026529360
Transaction Type	Mortgage
Record Updated	Jul 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2675 SOULE DR, LAFAYETTE, IN 47909-8388

Mortgage

Document Number	0000529360,
Date	Jul 14, 2026
Instrument	2026529360

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 10, 2036

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	378 S HOWARD ST, GARY, IN 46403-2387
Transaction Type	Mortgage
Record Updated	Apr 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	378 S HOWARD ST, GARY, IN 46403-2387

Mortgage

Document Number	0000009654
Date	Apr 1, 2024
Instrument	2024-509654

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Mar 26, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	378 S HOWARD ST, GARY, IN 46403-2387
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005621
Date	Jan 25, 2017
Instrument	2017 005621

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IN
Recording Date	Apr 20, 2026
Property Address	378 S HOWARD ST, GARY, IN 46403-2387
Document Number	0000008703
Instrument Date	Feb 1, 2020
Instrument	20268703
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2675 SOULE DR, LAFAYETTE, IN 47909-8388

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		$81,500 Land $11,700 Building $69,800	$81,500 Land $11,700 Building $69,800
2024	$887.00
2023		$73,500 (+30.78%) Land $11,800 Building $61,700	$73,500 (+30.78%) Land $11,800 Building $61,700
2022	$627.00 Homeowner's exemption	$56,200 Land $7,000 Building $49,200	$56,200 Land $7,000 Building $49,200

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

Flood

FEMA maps place 378 S Howard St 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 378 S Howard St is low, with 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 80% of the US · above 73% of Indiana
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect 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	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 279 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

Cell Coverage

5G (outdoors only) and 4G LTE

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