440 Rutledge St, Gary, IN 46404 Property Records

Lake County property record for 440 Rutledge St, Gary, IN 46404

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,732 sqft · built 1938
Lot Size	0.131 acres (5,706 sqft)
Owner	Individual Name on Record
Last Sale	$207,266 (Feb 2024)
Tax Bill	$1,285 (2024)
Deeds & Mortgages	Jul 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-25-44-0226-0018`

Property Details

APN / Parcel Number

Primary APN	`001-25-44-0226-0018`
Alternative APNs	`45-08-05-183-018.000-004` `254402260018`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,732 sqft Living Area
1st Floor Area	1,466 sqft
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Effective Year Built	Effective 2021
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	5,706 sqft (0.131 acres)
Lot Dimensions	127 ft deep x 45 ft wide
View / Lot	Alley
Garage Type	Detached
Garage Area	320 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	440 RUTLEDGE ST
City	GARY
State	IN
Zip	46404-1011
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RESUB. GARY LAND COS 6TH SUB. NORTH 20 FT. OF LOT 16, BLOCK 11 AND SOUTH 25 FT. OF LOT 17, BLOCK 11
Legal Subdivision	GARY LAND COS 6TH SUB
Legal Block	11
Legal Lot Number	16,17
Jurisdiction	LAKE IN
Township / Civil Division	CALUMET
Census Block Group	1
Census Block	1033
Census Tract	10203

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Combs Addition Historic District listed 2014 · 99 contributing resources · NRIS 14000805

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	440 RUTLEDGE ST, GARY, IN 46404-1011
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 29, 2024 · Amount on Record
Deed Sale	Feb 29, 2024 · Amount on Record
Prior Sale	Jul 24, 2023 · Amount on Record
Deed Document Number	2024506272
Prior Transfer Date	Oct 25, 2013
Prior Transfer Doc	2013083177
Record Updated	Jun 8, 2026

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE IN
Recording Date	Jul 24, 2023
Property Address	440 RUTLEDGE ST, GARY, IN 46404-1011
Document Number	0000023603
Map Reference	MB 14 PG 21
Instrument Date	Jun 21, 2023
Instrument	2023-523603
Transaction Type	Transfer
Record Updated	Aug 15, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	710 BEECHWOOD DR, LAKE ZURICH, IL 60047-2804

Mortgage

Document Number	0000023604
Date	Jul 24, 2023
Instrument	2023-523604

Lender

Name	IL LENDING LLC

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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
Municipality	Gary City
Unified School District	Gary Community School Corporation (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$193,100 (+297.33%) Land $9,700 Building $183,400	$193,100 (+297.33%) Land $9,700 Building $183,400
2024	$1,285.00 (+11.74%)
2023		$48,600 (+8.24%) Land $10,100 Building $38,500	$48,600 (+8.24%) Land $10,100 Building $38,500
2022	$1,150.00 (-71.24%)	$44,900 Land $6,000 Building $38,900	$44,900 Land $6,000 Building $38,900
2021	$3,999.00

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

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	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 716 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

May also be available: AT&T, T-Mobile.

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