4138 Rutledge St, Gary, IN 46408 Property Records

Lake County property record for 4138 Rutledge St, Gary, IN 46408

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 3,420 sqft · built 1961
Lot Size	0.302 acres (13,155 sqft)
Owner	Individual Name on Record
Last Sale	$134,000 (Apr 2023)
Tax Bill	$2,312 (2024)
Deeds & Mortgages	Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-01-39-0509-0040`

Property Details

APN / Parcel Number

Primary APN	`001-01-39-0509-0040`
Alternative APNs	`45-08-29-330-010.000-001` `013905090040`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	1 Story
Building Area	3,420 sqft Living Area
Gross Area	3,816 sqft
1st Floor Area	1,710 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1985
Construction Type	Frame
Roof Material	Asphalt
Lot Area	13,155 sqft (0.302 acres)
Lot Dimensions	180 ft deep x 73 ft wide
Garage Type	Attached
Garage Area	396 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4138 RUTLEDGE ST
City	GARY
State	IN
Zip	46408-2369
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTWOOD EX. NWLY 7.5FT. L.40
Legal Subdivision	WESTWOOD
Legal Lot Number	40
Jurisdiction	LAKE IN
Township / Civil Division	CALUMET
Census Block Group	2
Census Block	2017
Census Tract	41302

Owner

Source: Lake County records, as of December 29, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	4138 RUTLEDGE ST, GARY, IN 46408-2369
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2023 · Amount on Record
Deed Sale	Apr 27, 2023 · Amount on Record
Prior Sale	Sep 23, 2009 · Amount on Record
Deed Document Number	2023512394
Prior Transfer Date	Feb 23, 2023
Prior Transfer Doc	0000012394
Record Updated	Jun 8, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Apr 27, 2023
Property Address	4138 RUTLEDGE ST, GARY, IN 46408-2369
Document Number	0000012394
Map Reference	MB 33 PG 49
Instrument Date	Feb 23, 2023
Instrument	2023-512394
Transaction Type	Transfer
Record Updated	Oct 4, 2023
Title Company	CLA TITLE AND ESCROW, CLA TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4925 BONNIE BRAE ST, INDIANAPOLIS, IN 46228-3031

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4138 RUTLEDGE ST, GARY, IN 46408-2369

Mortgage

Document Number	0000012395
Date	Apr 27, 2023
Instrument	2023-512395

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 1, 2053

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
Unified School District	Lake Ridge Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$143,200 (+28.55%) Land $20,500 Building $122,700	$143,200 (+28.55%) Land $20,500 Building $122,700
2024	$2,312.00 (+34.81%)
2023		$111,400 (+30.44%) Land $19,700 Building $91,700	$111,400 (+30.44%) Land $19,700 Building $91,700
2022	$1,715.00 (-52.68%)	$85,400 Land $19,700 Building $65,700	$85,400 Land $19,700 Building $65,700
2021	$3,624.00

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

Flood

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	2 in force

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% 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 251 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
AT&T DSL · Fixed Wireless in parts of the area	100 / 20