401 Rutledge St, Gary, IN 46404 Property Records

Lake County property record for 401 Rutledge St, Gary, IN 46404

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,950 sqft · built 1941
Lot Size	0.121 acres (5,271 sqft)
Owner	Company Name on Record
Last Sale	$164,771 (Mar 2026)
Tax Bill	$606 (2024)
Deeds & Mortgages	Jun 2026 Mortgage Mar 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`001-25-44-0204-0018`

Property Details

APN / Parcel Number

Primary APN	`001-25-44-0204-0018`
Alternative APNs	`45-08-05-184-001.000-004` `254402040018`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,950 sqft Living Area
Gross Area	2,925 sqft
1st Floor Area	975 sqft
Basement Area	975 sqft

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1980
Construction Type	Brick
Roof Material	Asphalt
Lot Area	5,271 sqft (0.121 acres)
Lot Dimensions	125 ft deep x 42 ft wide
View / Lot	Alley
Garage Type	Detached
Garage Area	506 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	401 RUTLEDGE ST
City	GARY
State	IN
Zip	46404-1010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GARY LAND COS. 5TH SUB. N. 42 FT. L.18 BL.10
Legal Subdivision	GARY LAND COS. 5TH SUB
Legal Block	10
Legal Lot Number	18
Jurisdiction	LAKE IN
Township / Civil Division	CALUMET
Census Block Group	4
Census Block	4007
Census Tract	10400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Combs Addition Historic District listed 2014 · 99 contributing resources · NRIS 14000805

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Lake County records, as of July 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	358 S WABASH ST, HOBART, IN 46342-4961
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage KIAVI FUNDING INC
Mar 6, 2026	Warranty Deed, Transfer · Commercial Mortgage 200224157 IRA
Feb 18, 2026	Warranty Deed, Transfer SANDRA K GUESS ROTH IRA 1779721
Feb 27, 2026	Re-recorded Document INSPIRA FINANCIAL TRUST LLC
May 18, 2020	Warranty Deed, Transfer · Stand-Alone Second Mortgage CENTIER BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2026 · Amount on Record
Deed Sale	Mar 6, 2026 · Amount on Record
Prior Sale	Feb 27, 2026 · Amount on Record
Deed Document Number	2026509099
Prior Transfer Date	Feb 6, 2026
Prior Transfer Doc	0000007985
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Recording Date	Jun 25, 2026
Property Address	401 RUTLEDGE ST, GARY, IN 46404-1010
Document Number	0000526685
Instrument Date	Jun 24, 2026
Instrument	2026526685
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMP

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	358 S WABASH ST, HOBART, IN 46342-4961
Investor	Possibly a Property Investor

Mortgage

Document Number	0000526685,
Date	Jun 25, 2026
Instrument	2026526685

Lender

Name	KIAVI FUNDING INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Mar 6, 2026
Property Address	401 RUTLEDGE ST, GARY, IN 46404-1010
Document Number	0000009099
Map Reference	MB 15 PG 3
Instrument Date	Mar 3, 2026
Instrument	2026-509099
Transaction Type	Transfer
Record Updated	Mar 18, 2026
Title Company	INDIANA TITLE NETWORK COMPANY, INDIANA TITLE NETWORK CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	358 S WABASH ST, HOBART, IN 46342-4961
Investor	Possibly a Property Investor

Mortgage

Document Number	0000009100
Date	Mar 6, 2026
Instrument	2026-509100

Lender

Name	200224157 IRA
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	8 Months
Due	Nov 3, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Feb 18, 2026
Property Address	401 RUTLEDGE ST, GARY, IN 46404-1010
Document Number	0000006505
Map Reference	MB 15 PG 3-1
Instrument Date	Feb 6, 2026
Instrument	2026-506505
Transaction Type	Transfer
Record Updated	Mar 17, 2026
Title Company	INDIANA TITLE NETWORK COMPANY, INDIANA TITLE NETWORK CO

Transaction

Tax	$0.00
Additional	Arm's Length

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

Mortgage

Document Number	0000006506
Date	Feb 18, 2026
Instrument	2026-506506

Lender

Name	SANDRA K GUESS ROTH IRA 1779721
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Feb 6, 2027

February 2026: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	LAKE IN
Recording Date	Feb 27, 2026
Property Address	401 RUTLEDGE ST, GARY, IN 46404-1010
Document Number	0000007985
Map Reference	MB 15 PG 3-1
Instrument Date	Feb 6, 2026
Instrument	2026-507985
Record Updated	Mar 10, 2026
Title Company	INDIANA TITLE NETWORK COMPANY, INDIANA TITLE NETWORK CO

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

Mortgage

Document Number	0000007986
Date	Feb 27, 2026
Instrument	2026-507986

Lender

Name	INSPIRA FINANCIAL TRUST LLC

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Feb 6, 2027

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	May 18, 2020
Property Address	401 RUTLEDGE ST, GARY, IN 46404-1010
Document Number	0000026836
Map Reference	MB 15 PG 3
Instrument Date	Apr 23, 2020
Instrument	2020 026836
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	MERIDIAN TITLE CORP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 RUTLEDGE ST, GARY, IN 46404-1010

Mortgage

Document Number	0000026838
Date	May 18, 2020
Instrument	2020 026838

Lender

Name	CENTIER BANK
Type	Bank

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	84 Months
Due	May 1, 2027

Mortgage

Document Number	0000026837
Date	May 18, 2020
Instrument	2020 026837

Lender

Name	CENTIER BANK
Type	Bank
Address	MERRILLVILLE, IN 46410

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

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		$91,900 (+89.09%) Land $9,100 Building $82,800	$91,900 (+89.09%) Land $9,100 Building $82,800
2024	$606.00 (+16.76%)
2023		$48,600 (+9.21%) Land $9,500 Building $39,100	$48,600 (+9.21%) Land $9,500 Building $39,100
2022	$519.00 Homeowner's exemption	$44,500 Land $5,600 Building $38,900	$44,500 Land $5,600 Building $38,900

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

Flood

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

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 716 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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