3923 166th Ln, Lowell, IN 46356 Property Records

Lake County property record for 3923 166th Ln, Lowell, IN 46356

Property Summary

Property Type	Recreational Vacant Land
Lot Size	0.79 acres (34,412 sqft)
Owner	2 Individual Names on File
Last Sale	$303,000 (Aug 2026)
Tax Bill	$78 (2024)
Deeds & Mortgages	Aug 2026 Mortgage May 2026 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`45-20-18-126-010.000-007`

Property Details

APN / Parcel Number

Primary APN	`45-20-18-126-010.000-007`

Exterior

Lot Area	34,412 sqft (0.79 acres)

Location & Zoning

Street Address	3923 166TH LN
City	LOWELL
State	IN
Zip	46356-7175
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Legal Description	GRAYTHORNE PHASE II UNIT A LOT 87
Legal Subdivision	GRAYTHORNE PHASE II
Legal Phase	II
Legal Lot Number	87
Jurisdiction	LAKE IN
Township / Civil Division	CEDAR CREEK
Census Block Group	3
Census Block	3001
Census Tract	43405

Owner

3923 166th Ln, recreational vacant land, is owned and occupied by two individuals who bought it in August 2026.

Source: Lake County records, as of August 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3923 166TH LN, LOWELL, IN 46356-7175
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Aug 3, 2026	Special Warranty Deed, Transfer · Conventional Mortgage FIRST SAVINGS BANK/HEGEWISCH
May 11, 2026	Deed of Trust, Mortgage · Construction Mortgage PEOPLES BANK
Nov 24, 2025	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2026 · Amount on File
Deed Sale	Aug 3, 2026 · Amount on File
Prior Sale	Nov 24, 2025
Deed Document Number	2026532627
Record Updated	Sep 20, 2026

August 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Aug 3, 2026
Property Address	3923 166TH LN, LOWELL, IN 46356-7175
Document Number	0000532627
Instrument Date	Jul 31, 2026
Instrument	2026532627
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	NORTHWEST INDIANA TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3923 166TH LN, LOWELL, IN 46356-7175

Mortgage

Document Number	0000532628,
Date	Aug 3, 2026
Instrument	2026532628

Lender

Name	FIRST SAVINGS BANK/HEGEWISCH

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2046

Interest

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

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Recording Date	May 11, 2026
Property Address	3923 166TH LN, LOWELL, IN 46356-7175
Document Number	0000519124
Instrument Date	May 11, 2026
Instrument	2026519124
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company, 103
Address	640 W 50 N, VALPARAISO, IN 46385-9237
Investor	Possibly a Property Investor

Mortgage

Document Number	0000519124,
Date	May 11, 2026
Instrument	2026519124

Lender

Name	PEOPLES BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 11, 2027

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Nov 24, 2025
Property Address	3923 166TH LN, LOWELL, IN 46356-7175
Document Number	0000045711
Map Reference	MB 113 PG 76
Instrument Date	Nov 24, 2025
Instrument	2025-545711
Transaction Type	Transfer
Record Updated	Dec 10, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 W 50 N, LEESBURG, IN 46538
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	Cedar Creek Township
Unified School District	Tri-Creek School Corporation (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$94,800 (+2,608.57%) Land $94,800	$94,800 (+2,608.57%) Land $94,800
2024	$78.00	$3,500 (-) Land $3,500	$3,500 (-) Land $3,500
2023		$3,500 (-) Land $3,500	$3,500 (-) Land $3,500
2022	$58.00	$3,500 Land $3,500	$3,500 Land $3,500

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

Flood

FEMA maps place 3923 166th Ln in Zone X, an area of minimal flood risk, though there have been 58 flood claims nearby since 1978.

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 Claims	58 (1978–2019)
Claims Outside the SFHA	4 of 58
Most Recent Claim	Mar 2019 · tidal / storm surge
Claims by Event	Severe Storms And Flooding, Feb 2018 · 7 claims

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

Wildfire risk around 3923 166th Ln is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · above 99.6% of Indiana
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	1,000 / 1,000

May also be available: T-Mobile, Xfinity.

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