4308 Torrence Ave, Hammond, IN 46327 Property Records

Lake County property record for 4308 Torrence Ave, Hammond, IN 46327

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,164 sqft · built 1925
Lot Size	0.098 acres (4,294 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,730 (2024)
Deeds & Mortgages	May 2018 Mortgage Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`007-26-35-0330-0041`

Property Details

APN / Parcel Number

Primary APN	`007-26-35-0330-0041`
Alternative APNs	`45-02-25-277-018.000-023` `263503300041`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,164 sqft Living Area
Attic	Attic
Attic Area	560 sqft
Basement Area	1,048 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1995
Construction Type	Wood
Roof Material	Asphalt
Lot Area	4,294 sqft (0.098 acres)
Lot Dimensions	113 ft deep x 38 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	007-26-35-0330-0041
Old Parcel Number	263503300041
Street Address	4308 TORRENCE AVE
City	HAMMOND
State	IN
Zip	46327-1432
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROLLING MILL ADD. L.46 BL.7 S2. L.47 BL.7
Legal Subdivision	ROLLING MILL ADD
Legal Block	7
Legal Lot Number	46
Jurisdiction	LAKE IN
Township / Civil Division	NORTH
Census Block Group	1
Census Block	1010
Census Tract	20300

Owner

4308 Torrence Ave is owned and occupied by two individuals who acquired it in February 2016.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	4308 TORRENCE AVE, HAMMOND, IN 46327-1432
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST MIDWEST BANK
Jun 5, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST MIDWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 16, 2016
Deed Sale	Feb 16, 2016
Record Updated	Jun 8, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	4308 TORRENCE AVE, HAMMOND, IN 46327-1432
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032321
Date	May 23, 2018
Instrument	2018 032321

Lender

Name	FIRST MIDWEST BANK
Type	Bank
Address	HAMMOND, IN 46320

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	359 Months
Due	Apr 17, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	4308 TORRENCE AVE, HAMMOND, IN 46327-1432
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033577
Date	Jun 5, 2019
Instrument	2019 033577

Lender

Name	FIRST MIDWEST BANK
Type	Bank
Address	MUNSTER, IN 46321

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	358 Months
Due	Apr 25, 2049

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	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		$174,100 Land $18,700 Building $155,400	$174,100 Land $18,700 Building $155,400
2024	$1,730.00
2023		$130,000 (+6.91%) Land $19,200 Building $110,800	$130,000 (+6.91%) Land $19,200 Building $110,800
2022	$1,554.00 Homeowner's exemption	$121,600 Land $19,200 Building $102,400	$121,600 Land $19,200 Building $102,400

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

Flood

FEMA maps place 4308 Torrence Ave in Zone X, an area of minimal flood risk.

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

The area around 4308 Torrence Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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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