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4524 Ross Rd, Gary, IN 46408 Property Records

Lake County property record for 4524 Ross Rd, Gary, IN 46408 · Last verified March 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,386 sqft · built 1925
Lot Size1 acres (43,560 sqft)
Owner2 Individual Names on File
Tax Bill$1,505 (2024)
Deeds & MortgagesNov 2020 Mortgage
Jun 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN001-01-39-0128-0003

Property Details

APN / Parcel Number

Primary APN001-01-39-0128-0003
Alternative APNs
  • 45-07-36-226-003.000-001
  • 013901280003

Interior

Bedrooms4 Beds
Full Baths2 Baths
Half Baths1 Half Bath
Plumbing Fixtures7 Plumbing Fixtures
Total Rooms7 Rooms
Stories1 Story
Building Area1,386 sqft Living Area
Basement Area1,386 sqft

Exterior

Year BuiltBuilt 1925
Effective Year BuiltEffective 1985
Construction TypeWood
Roof MaterialAsphalt
Lot Area43,560 sqft (1 acres)
Pool TypeAbove-Ground Pool
Patio Area400 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerConnected

Location & Zoning

Account Number001-01-39-0128-0003
Old Parcel Number013901280003
Street Address4524 ROSS RD
CityGARY
StateIN
Zip46408-3402
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDUTCH GARDENS TRACT 3 LOT A
Legal SubdivisionDUTCH GARDENS
Legal Tract3
Legal BlockA
Legal Lot NumberA
JurisdictionLAKE IN
Township / Civil DivisionCALUMET
Census Block Group2
Census Block2001
Census Tract41400

Owner

Source: Lake County records · APN 001-01-39-0128-0003

Assessment roll updated July 1, 2025 · Last verified March 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address4524 ROSS RD, GARY, IN 46408-3402
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 06, 2020Deed of Trust, Mortgage · FHA Mortgage
US BANK NA
Jun 12, 2018Warranty Deed, Transfer
INDIANA HSNG & CMNTY DEV AUTH

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 19, 2018
Deed SaleJun 19, 2018
Prior SaleOct 06, 2011
Deed Document Number2018 038218
Prior Transfer DateJun 12, 2018
Prior Transfer Doc0000038218
Record UpdatedJun 08, 2026

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE IN
Property Address4524 ROSS RD, GARY, IN 46408-3402
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000081159
DateNov 06, 2020
Instrument2020-081159
Lender
NameUS BANK NA
TypeBank
AddressOWENSBORO, KY 42301
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term332 Months
DueJul 01, 2048

June 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE IN
Recording DateJun 12, 2018
Property Address4524 ROSS RD, GARY, IN 46408-3402
Document Number0000038218
Instrument DateJun 12, 2018
Instrument38218
Transaction TypeTransfer
Record UpdatedOct 21, 2019
Title CompanyFIDELITY NATIONAL TITLE

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address4524 ROSS RD GARY IN 464083402, GARY, IN 46408-3402

Mortgage

Document Number38220
DateJun 12, 2018
Instrument38220
Lender
NameINDIANA HSNG & CMNTY DEV AUTH
AddressINDIANAPOLIS, IN 46204
Agreement
AmountAmount Recorded

Mortgage

Document Number38219,
DateJun 12, 2018
Instrument38219
Lender
NameUNION HM MTG CORP
AddressSTRONGSVILLE, OH 44136
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 11, 2048

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated July 1, 2025 · Last verified March 2026

Property Jurisdictions

TypeName
StateIndiana
CountyLake County
County SubdivisionCalumet Township
Unified School DistrictLake Ridge Schools (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$162,400 (+14.45%) Land $27,100 Building $135,300$162,400 (+14.45%) Land $27,100 Building $135,300
2024$1,505.00 (-15.78%)
2023$141,900 (+2.01%) Land $25,100 Building $116,800$141,900 (+2.01%) Land $25,100 Building $116,800
2022$1,787.00 Homeowner's exemption$139,100 Land $19,800 Building $119,300$139,100 Land $19,800 Building $119,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lake County (18089C), updated October 16, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 180890414002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Nearby Flood Claims1 (2000)
Claims Outside the SFHA1 of 1
Most Recent ClaimJun 2000, river or lake flooding

Wildfire

Wildfire RiskLow
above 7% of the US · above 45% of Indiana
Wildfire LikelihoodAbout 1 in 3,226 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 161 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TFixed Wireless100 / 20
AT&TDSL100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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