4231 Torrence Ave, Hammond, IN 46327 Property Records

Lake County property record for 4231 Torrence Ave, Hammond, IN 46327

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 900 sqft · built 1910
Lot Size	0.094 acres (4,095 sqft)
Owner	Individual Name on Record
Last Sale	$223,133 (Sep 2026)
Tax Bill	$3,175 (2024)
Deeds & Mortgages	Sep 2026 Mortgage Aug 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`007-26-36-0204-0015`

Property Details

APN / Parcel Number

Primary APN	`007-26-36-0204-0015`
Alternative APNs	`45-02-25-232-013.000-023` `263602040015`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,800 sqft Living Area
Gross Area	2,700 sqft
1st Floor Area	900 sqft
Attic	Attic
Attic Area	900 sqft
Basement Area	900 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1995
Construction Type	Frame
Roof Material	Asphalt
Lot Area	4,095 sqft (0.094 acres)
Lot Dimensions	108 ft deep x 38 ft wide
View / Lot	Alley
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Pool Type	Above-Ground Pool

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4231 TORRENCE AVE
City	HAMMOND
State	IN
Zip	46327-1431
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	M. M. TOWLES 3RD ADD. L.15 BL.1 N1/2 L.16 BL.1
Legal Subdivision	M. M. TOWLES 3RD ADD
Legal Block	1
Legal Lot Number	15
Jurisdiction	LAKE IN
Township / Civil Division	NORTH
Census Block Group	1
Census Block	1006
Census Tract	20300

Owner

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

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	4231 TORRENCE AVE, HAMMOND, IN 46327-1431
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2026	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE
Aug 23, 2021	Warranty Deed, Transfer
Dec 9, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2026 · Amount on Record
Deed Sale	Sep 8, 2026 · Amount on Record
Prior Sale	Aug 23, 2021 · Amount on Record
Deed Document Number	2026538094
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Sep 8, 2026
Property Address	4231 TORRENCE AVE, HAMMOND, IN 46327-1431
Document Number	0000538094
Instrument Date	Sep 4, 2026
Instrument	2026538094
Transaction Type	Transfer
Record Updated	Sep 17, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4231 TORRENCE AVE, HAMMOND, IN 46327-1431

Mortgage

Document Number	0000538095,
Date	Sep 8, 2026
Instrument	2026538095

Lender

Name	GUARANTEED RATE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Aug 23, 2021
Property Address	4231 TORRENCE AVE, HAMMOND, IN 46327-1431
Document Number	0000056209
Map Reference	MB 2 PG 37
Instrument Date	Aug 10, 2021
Instrument	2021-056209
Transaction Type	Transfer
Record Updated	Feb 9, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE IN
Recording Date	Dec 9, 2020
Property Address	4231 TORRENCE AVE, HAMMOND, IN 46327-1431
Document Number	0000089794
Instrument Date	Nov 16, 2020
Instrument	89794
Transaction Type	Transfer
Record Updated	Dec 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4231 TORRENCE AVE HAMMOND IN 463271431, HAMMOND, IN 46327-1431

Tax Assessment & Valuation

Source: Lake County assessment roll, as of December 29, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	Lake County
County Subdivision	North Township
Municipality	Hammond City
Unified School District	Hammond School City (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$167,300 (+45.73%) Land $20,900 Building $146,400	$167,300 (+45.73%) Land $20,900 Building $146,400
2024	$3,175.00 (+9.71%)
2023		$114,800 (+6.3%) Land $20,900 Building $93,900	$114,800 (+6.3%) Land $20,900 Building $93,900
2022	$2,894.00	$108,000 Land $20,900 Building $87,100	$108,000 Land $20,900 Building $87,100

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

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	HAMMOND WATER WORKS DEPARTMENT serves 78,384 people · EPA ID IN5245020
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2020
Monitoring and Reporting	5 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 236 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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