3940 Pierce St, Gary, IN 46408 Property Records

Lake County property record for 3940 Pierce St, Gary, IN 46408

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 2,244 sqft · built 1955
Lot Size	0.086 acres (3,746 sqft)
Owner	Individual Name on File
Last Sale	$107,713 (Aug 2026)
Tax Bill	$878 (2024)
Deeds & Mortgages	Aug 2026 Mortgage Jan 2025 Sale & Construction Loan + 5 more
Flood Zone	Zone X (minimal risk)
APN	`001-25-46-0120-0003`

Property Details

APN / Parcel Number

Primary APN	`001-25-46-0120-0003`
Alternative APNs	`45-08-28-155-012.000-004` `254601200003`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	2 Rooms
Stories	1 Story
Building Area	2,244 sqft Living Area
1st Floor Area	748 sqft
Basement Area	748 sqft
Finished Basement	748 sqft
Game Room	Game Room

Exterior

Year Built	Built 1955
Effective Year Built	Effective 2010
Construction Type	Frame
Roof Material	Asphalt
Lot Area	3,746 sqft (0.086 acres)
Lot Dimensions	125 ft deep x 30 ft wide
View / Lot	Alley
Garage Area	748 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3940 PIERCE ST
City	GARY
State	IN
Zip	46408-2139
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1ST SUB. OAKINGTON PARK N.30 FT. L.3 BL.1
Legal Subdivision	1ST SUB. OAKINGTON PARK
Legal Block	1
Legal Lot Number	3
Jurisdiction	LAKE IN
Township / Civil Division	CALUMET
Census Block Group	5
Census Block	5020
Census Tract	12400

Owner

3940 Pierce St is owned and occupied by an individual who bought it in August 2026.

Source: Lake County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	3940 PIERCE ST, GARY, IN 46408-2139
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
Aug 6, 2026	Warranty Deed, Transfer · Conventional Mortgage HORIZON BANK
Jan 23, 2025	Warranty Deed, Construction Loan · Construction Mortgage LENDINGONE LLC
Feb 24, 2025	Re-recorded Document FIDELITY NATIONAL TITLE
Sep 20, 2024	Intrafamily Transfer, Transfer
Mar 3, 2023	Quit Claim Deed, Transfer Quitclaim
Jan 8, 2021	Quit Claim Deed, Transfer NOT AVAILABLE
Jun 26, 2020	Tax Deed, Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2026 · Amount on File
Deed Sale	Aug 6, 2026 · Amount on File
Prior Sale	Feb 24, 2025
Deed Document Number	2026533434
Prior Transfer Date	Jan 17, 2025
Prior Transfer Doc	0000006403
Record Updated	Sep 20, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Aug 6, 2026
Property Address	3940 PIERCE ST, GARY, IN 46408-2139
Document Number	0000533434
Instrument Date	Jul 28, 2026
Instrument	2026533434
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	INDIANA TITLE NETWORK COMPANY, INDIANA TITLE NETWORK

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3940 PIERCE ST, GARY, IN 46408-2139

Mortgage

Document Number	0000533435,
Date	Aug 6, 2026
Instrument	2026533435

Lender

Name	HORIZON BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

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

January 2025: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Jan 23, 2025
Property Address	3940 PIERCE ST, GARY, IN 46408-2139
Document Number	0000002642
Map Reference	MB 11 PG 12
Instrument Date	Jan 17, 2025
Instrument	2025-502642
Transaction Type	Construction Loan
Record Updated	Feb 6, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3626 S 285TH PL, AUBURN, WA 98001-1068
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002643
Date	Jan 23, 2025
Instrument	2025-502643

Lender

Name	LENDINGONE LLC
Type	Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2055

February 2025: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	LAKE IN
Recording Date	Feb 24, 2025
Property Address	3940 PIERCE ST, GARY, IN 46408-2139
Document Number	0000006403
Map Reference	MB 11 PG 12
Instrument Date	Jan 17, 2025
Instrument	2025-506403
Record Updated	Feb 6, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3626 S 285TH PL, AUBURN, WA 98001-1068
Investor	Possibly a Property Investor

September 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE IN
Recording Date	Sep 20, 2024
Property Address	3940 PIERCE ST, GARY, IN 46408-2139
Document Number	0000028371
Instrument Date	Sep 10, 2024
Instrument	2024-028371
Transaction Type	Transfer
Record Updated	Feb 6, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3940 PIERCE ST, GARY, IN 46408-2139

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3940 PIERCE ST, GARY, IN 46408-2139

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IN
Recording Date	Mar 3, 2023
Property Address	3940 PIERCE ST, GARY, IN 46408-2139
Document Number	0000006709
Instrument Date	Mar 2, 2023
Instrument	2023-006709
Transaction Type	Transfer
Record Updated	Feb 6, 2026

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IN
Recording Date	Jan 8, 2021
Property Address	3940 PIERCE ST, GARY, IN 46408-2139
Document Number	0000001931
Instrument Date	Dec 9, 2020
Instrument	1931
Transaction Type	Transfer
Record Updated	Jan 21, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1078 E 86TH ST BROOKLYN NY 112364243, BROOKLYN, NY 11236-4243

June 2020: Tax Deed, Foreclosure

Document Type	Tax Deed
Jurisdiction	LAKE IN
Recording Date	Jun 26, 2020
Property Address	3940 PIERCE ST, GARY, IN 46408-2139
Document Number	0000039385
Instrument Date	Dec 5, 2019
Instrument	39385
Transaction Type	Foreclosure
Record Updated	Aug 21, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 MOFFAT ST BROOKLYN NY 112071506, BROOKLYN, NY 11207-1506

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		$91,400 (+30.95%) Land $5,300 Building $86,100	$91,400 (+30.95%) Land $5,300 Building $86,100
2024	$878.00	$69,800 (+167.43%) Land $4,900 Building $64,900	$69,800 (+167.43%) Land $4,900 Building $64,900
2023		$26,100 (+21.4%) Land $4,900 Building $21,200	$26,100 (+21.4%) Land $4,900 Building $21,200
2022	$1,380.00 (-26.83%)	$21,500 Land $1,800 Building $19,700	$21,500 Land $1,800 Building $19,700
2021	$1,886.00

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

Flood

FEMA maps place 3940 Pierce 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

The area around 3940 Pierce St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land 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 495 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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