4393 Willard Ln, Lowell, IN 46356 Property Records

Lake County property record for 4393 Willard Ln, Lowell, IN 46356

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 6,352 sqft · built 2024
Lot Size	2.42 acres (105,415 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Feb 2023)
Tax Bill	$4,188 (2024)
Deeds & Mortgages	Sep 2023 Construction Loan Feb 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`45-20-18-101-002.000-007`

Property Details

APN / Parcel Number

Primary APN	`45-20-18-101-002.000-007`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	16 Plumbing Fixtures
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	6,352 sqft Living Area
Basement Area	3,176 sqft

Exterior

Year Built	Built 2024
Construction Type	Wood
Roof Material	Other
Lot Area	105,415 sqft (2.42 acres)
Garage Type	Attached
Garage Area	1,212 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Other

Location & Zoning

Street Address	4393 WILLARD LN
City	LOWELL
State	IN
Zip	46356-2602
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAYTHORNE PHASE 2 UNIT B LOT 24
Legal Range	08
Legal Township	33
Legal Section	18
Legal Phase	2
Legal Lot Number	24
Jurisdiction	LAKE IN
Township / Civil Division	CEDAR CREEK
Census Block Group	3
Census Block	3001
Census Tract	43405

Owner

4393 Willard Ln is owned and occupied by an individual who bought it in February 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4393 WILLARD LN, LOWELL, IN 46356-2602
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
Sep 18, 2023	Deed of Trust, Mortgage · Construction Mortgage FIRST FINANCIAL BANK
Feb 28, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST FINANCIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2023 · Amount on File
Deed Sale	Feb 28, 2023 · Amount on File
Deed Document Number	2023-505816
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	4393 WILLARD LN, LOWELL, IN 46356-2602
Transaction Type	Mortgage
Record Updated	Dec 26, 2023
Title Company	FIDELITY NATIONAL LS, FIDELITY NATIONAL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11131 FAIRBANKS CT, CROWN POINT, IN 46307-8587

Mortgage

Document Number	0000030442
Date	Sep 18, 2023
Instrument	2023-530442

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45246

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Oct 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2031
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Margin	3
Max Rate	12.5%

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Feb 28, 2023
Property Address	4393 WILLARD LN, LOWELL, IN 46356-2602
Document Number	0000005816
Map Reference	MB 114 PG 83
Instrument Date	Feb 27, 2023
Instrument	2023-505816
Transaction Type	Transfer
Record Updated	Dec 26, 2023
Title Company	COMMUNITIES TITLE COMPANY, COMMUNITY TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4393 WILLARD LN, LOWELL, IN 46356-2602

Mortgage

Document Number	0000005817
Date	Feb 28, 2023
Instrument	2023-505817

Lender

Name	FIRST FINANCIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2043

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2028
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	7.87%
Margin	3
Max Rate	11.8%

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	Lake County
County Subdivision	Cedar Creek Township
Unified School District	Tri-Creek School Corporation (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,537,700 Land $205,200 Building $1,332,500	$1,537,700 Land $205,200 Building $1,332,500
2024	$4,188.00
2023		$258,500 (+1,438.69%) Land $258,500	$258,500 (+1,438.69%) Land $258,500
2022	$279.00	$16,800 Land $16,800	$16,800 Land $16,800

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

Flood

FEMA maps place 4393 Willard Ln in Zone X, an area of minimal flood risk, though there have been 58 flood claims nearby since 1978.

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
Nearby Flood Claims	58 (1978–2019)
Claims Outside the SFHA	4 of 58
Most Recent Claim	Mar 2019 · tidal / storm surge
Claims by Event	Severe Storms And Flooding, Feb 2018 · 7 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 4393 Willard Ln is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 99.8% of Indiana
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	1,000 / 1,000

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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