3976 Whitcomb St, Gary, IN 46408 Property Records

Lake County property record for 3976 Whitcomb St, Gary, IN 46408

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 912 sqft · built 1953
Lot Size	0.555 acres (24,176 sqft)
Owner	Individual Name on File
Last Sale	$62,000 (Feb 2015)
Tax Bill	$854 (2024)
Deeds & Mortgages	Oct 2025 Line of Credit Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-01-39-0018-0035`

Property Details

APN / Parcel Number

Primary APN	`001-01-39-0018-0035`
Alternative APNs	`45-08-30-177-012.000-001` `013900180035`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	912 sqft Living Area
Basement Area	912 sqft

Exterior

Year Built	Built 1953
Construction Type	Wood
Roof Material	Asphalt
Lot Area	24,176 sqft (0.555 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	001-01-39-0018-0035
Old Parcel Number	013900180035
Street Address	3976 WHITCOMB ST
City	GARY
State	IN
Zip	46408-1825
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N.122FT OF S.222FT OF E.198FT OF NE1/4 SE1/4 NW1/4 S.30 T.36 R.8 0.555 AC
Legal Range	08
Legal Township	36
Legal Section	30
Legal Lot Number	1
Jurisdiction	LAKE IN
Township / Civil Division	CALUMET
Census Block Group	1
Census Block	1000
Census Tract	41302

Owner

3976 Whitcomb St is owned and occupied by an individual who bought it in February 2015.

Source: Lake County records, as of March 18, 2026

Owner of Record	Individual Name on File
Mailing Address	3976 WHITCOMB ST, GARY, IN 46408-1825
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
Oct 22, 2025	Deed of Trust, Mortgage · Line of Credit FIRST MERCHANTS BANK
Apr 24, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST MERCHANTS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 9, 2015 · Amount on File
Deed Sale	Feb 9, 2015 · Amount on File
Prior Sale	Jan 28, 2015
Deed Document Number	2015 007507
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	3976 WHITCOMB ST, GARY, IN 46408-1825
Transaction Type	Mortgage
Record Updated	Nov 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3976 WHITCOMB ST, GARY, IN 46408-1825
Investor	Possibly a Property Investor

Mortgage

Document Number	0000040712
Date	Oct 22, 2025
Instrument	2025-540712

Lender

Name	FIRST MERCHANTS BANK
Type	Bank
Address	HIGHLAND, IN 46322

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	3976 WHITCOMB ST, GARY, IN 46408-1825
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025137
Date	Apr 24, 2018
Instrument	2018 025137

Lender

Name	FIRST MERCHANTS BANK
Type	Bank
Address	HIGHLAND, IN 46322

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Apr 25, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	Lake County
County Subdivision	Calumet Township
Unified School District	Lake Ridge Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$90,300 Land $14,400 Building $75,900	$90,300 Land $14,400 Building $75,900
2024	$854.00
2023		$83,900 (+6.34%) Land $13,900 Building $70,000	$83,900 (+6.34%) Land $13,900 Building $70,000
2022	$745.00	$78,900 Land $10,100 Building $68,800	$78,900 Land $10,100 Building $68,800

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

Flood

FEMA maps place 3976 Whitcomb St in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1981.

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	10 (1981–1999)
Most Recent Claim	Apr 1999 · river or lake flooding

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 3976 Whitcomb St is low, with less than 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 99.8% of the US · lower than 99.9% of Indiana
Wildfire Likelihood	Under 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 108 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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