Lake County property record for 446 Florence St, Hammond, IN 46324
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,092 sqft · built 1960 |
| Lot Size | 0.143 acres (6,250 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,768 (2024) |
| Deeds & Mortgages | Dec 2020 Mortgage May 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 007-26-34-0003-0027 |
| Primary APN | 007-26-34-0003-0027 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,092 sqft Living Area |
| Basement Area | 1,092 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1980 |
| Construction Type | Wood |
| Roof Material | Asphalt |
| Lot Area | 6,250 sqft (0.143 acres) |
| Lot Dimensions | 125 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 007-26-34-0003-0027 |
|---|---|
| Old Parcel Number | 263400030027 |
| Street Address | 446 FLORENCE ST |
| City | HAMMOND |
| State | IN |
| Zip | 46324-1330 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | F. B. HALLS SUB. L 23 & L 24 BL. 3 |
| Legal Subdivision | F B HALLS |
| Legal Block | 3 |
| Legal Lot Number | 1 |
| Jurisdiction | LAKE IN |
| Township / Civil Division | NORTH |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 21400 |
446 Florence St is owned and occupied by an individual who acquired it in May 2018.
Source: Lake County records, as of March 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 446 FLORENCE ST, HAMMOND, IN 46324-1330 |
| 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.
| Date | Document |
|---|---|
| Dec 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| May 29, 2018 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 29, 2018 |
| Deed Sale | May 29, 2018 |
| Prior Sale | May 29, 2018 |
| Deed Document Number | 2018 033198 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IN |
| Property Address | 446 FLORENCE ST, HAMMOND, IN 46324-1330 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000095682 |
|---|---|
| Date | Dec 23, 2020 |
| Instrument | 2020-095682 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IN |
| Recording Date | May 29, 2018 |
| Property Address | 446 FLORENCE ST, HAMMOND, IN 46324-1330 |
| Document Number | 0000033198 |
| Map Reference | MB3 PG17 |
| Instrument Date | May 23, 2018 |
| Instrument | 2018 033198 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 446 FLORENCE ST, HAMMOND, IN 46324-1330 |
| Document Number | 0000033199 |
|---|---|
| Date | May 29, 2018 |
| Instrument | 2018 033199 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2048 |
Source: Lake County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Indiana |
| County | Lake County |
| County Subdivision | North Township |
| Municipality | Hammond City |
| Unified School District | Hammond School City (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $160,000 Land $27,600 Building $132,400 | $160,000 Land $27,600 Building $132,400 | |
| 2024 | $1,768.00 | ||
| 2023 | $129,500 (+5.8%) Land $29,600 Building $99,900 | $129,500 (+5.8%) Land $29,600 Building $99,900 | |
| 2022 | $1,545.00 Homeowner's exemption | $122,400 Land $29,600 Building $92,800 | $122,400 Land $29,600 Building $92,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 446 Florence St in Zone X, an area of minimal flood risk.
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 Policies | 1 in force |
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.
The area around 446 Florence St 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 854 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
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