4302 Howard St, Lake Charles, LA 70605 Property Records

Calcasieu Parish property record for 4302 Howard St, Lake Charles, LA 70605

Property Summary

Property Type	Single Family Home
Lot Size	0.02 acres (869 sqft)
Owner	Individual Name on File
Last Sale	$163,000 (Jul 2007)
Tax Bill	$912 (2025)
Deeds & Mortgages	Jul 2010 Mortgage Jul 2007 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00437328`

Property Details

APN / Parcel Number

Primary APN	`00437328`

Exterior

Lot Area	869 sqft (0.02 acres)

Location & Zoning

Street Address	4302 HOWARD ST
City	LAKE CHARLES
State	LA
Zip	70605-4410
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	@191008-0331-2 0016 0000 @191008-0331-2 0017 0000 LOTS 16,17 BLK 2 COLLEGE TERRACE #2 IMPS/RDA 89 @191008-0000-420003502 0000
Legal Range	08
Legal Township	10
Legal Section	19
Legal Subdivision	SUBDIVISION
Legal Block	2,420
Legal Lot Number	16,17,3
Legal Unit	2,3
Jurisdiction	CALCASIEU LA
Township / Civil Division	7
Census Block Group	3
Census Block	3000
Census Tract	1000

Owner

4302 Howard St is owned and occupied by an individual who bought it in July 2007.

Source: Calcasieu Parish records, as of July 21, 2026

Owner of Record	Individual Name on File
Mailing Address	4302 HOWARD ST, LAKE CHARLES, LA 70605-4410
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
Jul 13, 2010	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Jul 31, 2007	Cash Sale Deed, Transfer · Conventional Mortgage FIRST HORIZON HOME LOANS
Mar 3, 2005	Quit Claim Deed, Transfer · ARM DECISION ONE MORTGAGE CO LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2007 · Amount on File
Deed Sale	Jul 31, 2007 · Amount on File
Prior Sale	Mar 3, 2005 · Amount on File
Deed Document Number	20072824757
Deed Book / Page	3371 / 452
Prior Transfer Date	Feb 25, 2005
Prior Transfer Doc	003155/750
Record Updated	Oct 29, 2026

July 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALCASIEU LA
Property Address	4302 HOWARD ST, LAKE CHARLES, LA 70605-4410
Transaction Type	Mortgage
Record Updated	Feb 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003867/240
Date	Jul 13, 2010
Book Page	3867/240
Instrument	2970616

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	BURLINGAME, CA 94010

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2040

July 2007: Cash Sale Deed, Transfer

Document Type	Cash Sale Deed
Jurisdiction	CALCASIEU LA
Recording Date	Jul 31, 2007
Property Address	4302 HOWARD ST, LAKE CHARLES, LA 70605-4410
Document Number	003371/452
Book / Page	3371 / 452
Map Reference	MB5 PG65
Instrument Date	Jul 30, 2007
Instrument	2824757
Transaction Type	Transfer
Record Updated	Feb 17, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003402/441
Date	Jul 31, 2007
Book Page	3402/441
Instrument	2824758

Lender

Name	FIRST HORIZON HOME LOANS
Type	Mortgage Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2037

March 2005: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CALCASIEU LA
Recording Date	Mar 3, 2005
Property Address	4302 HOWARD ST, LAKE CHARLES, LA 70605-4410
Document Number	003155/750
Book / Page	3155 / 750
Map Reference	MB5 PG65
Instrument Date	Feb 25, 2005
Instrument	2708666
Transaction Type	Transfer
Record Updated	Feb 17, 2026

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0002708667
Date	Mar 3, 2005
Instrument	2708667

Lender

Name	DECISION ONE MORTGAGE CO LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	10.1%
Type Change Date	Mar 1, 2007
Change Frequency	6 Months
Min Rate At Change	10.1%
Max Rate At Change	13.1%
Index	6-Month LIBOR
Max Rate	16.1%

Tax Assessment & Valuation

The 2025 property tax bill for 4302 Howard St was $912 with a homeowner's exemption, up 2.1% from the year before.

Source: Calcasieu Parish assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	Louisiana
County	Calcasieu Parish
Municipality	Lake Charles City
Unified School District	Calcasieu Parish School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$912.00 (+2.13%) Homeowner's exemption	$15,650 (-) Land $3,560 Building $12,090	$156,500 (-) Land $35,600 Building $120,900
2024	$893.00 (-1.11%) Homeowner's exemption	$15,650 (-) Land $3,560 Building $12,090	$156,500 (-) Land $35,600 Building $120,900
2023	$903.00 (+0.22%) Homeowner's exemption	$15,650 (-) Land $3,560 Building $12,090	$156,500 (-) Land $35,600 Building $120,900
2022	$901.00 Homeowner's exemption	$15,650 Land $3,560 Building $12,090	$156,500 Land $35,600 Building $120,900

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 4302 Howard St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 1, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 100 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	100 in force
Nearby Flood Claims	233 (1979–2021)
Claims Outside the SFHA	95 of 233
Most Recent Claim	May 2021 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2021 · 77 claims Hurricane Ike, Sep 2008 · 37 claims Hurricane Rita, Sep 2005 · 23 claims

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 4302 Howard 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 98% of the US · lower than 97.4% of Louisiana
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	CITY OF LAKE CHARLES WATER SYSTEM serves 79,500 people · EPA ID LA1019029
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023–2025) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 287 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet.

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