4944 Stephen Ln, Lowell, IN 46356 Property Records

Lake County property record for 4944 Stephen Ln, Lowell, IN 46356

Property Summary

Property Type	Recreational Vacant Land
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$333,231 (Sep 2025)
Deeds & Mortgages	May 2026 Mortgage Sep 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`45-19-25-284-003.000-008`

Property Details

APN / Parcel Number

Primary APN	`45-19-25-284-003.000-008`

Exterior

Lot Area	10,890 sqft (0.25 acres)

Location & Zoning

Street Address	4944 STEPHEN LN
City	LOWELL
State	IN
Zip	46356-2397
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Legal Description	BEVERLY ESTATES UNIT II PHASE II LOT 77
Legal Subdivision	BEVERLY ESTATES UNIT II PHASE II
Legal Lot Number	77
Jurisdiction	LAKE IN
Township / Civil Division	CEDAR CREEK
Census Block Group	3
Census Block	3031
Census Tract	43403

Owner

4944 Stephen Ln, recreational vacant land, is owned and occupied by two individuals who bought it in September 2025.

Source: Lake County records, as of May 14, 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	4944 STEPHEN LN, LOWELL, IN 46356-2397
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage TECU CREDIT UNION
Sep 26, 2025	Limited Warranty Deed, Subdivision Related Transfer · Conventional Mortgage UNIVERSITY BANK
Jun 9, 2025	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INS COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2025 · Amount on File
Deed Sale	Sep 26, 2025 · Amount on File
Deed Document Number	2025536969
Prior Transfer Date	Jun 5, 2025
Prior Transfer Doc	0000020706
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Recording Date	May 6, 2026
Property Address	4944 STEPHEN LN, LOWELL, IN 46356-2397
Document Number	0000010244
Instrument Date	Apr 21, 2026
Instrument	202610244
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	0000010244,
Date	May 6, 2026
Instrument	202610244

Lender

Name	TECU CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 21, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

September 2025: Limited Warranty Deed, Subdivision Related Transfer

Document Type	Limited Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Sep 26, 2025
Property Address	4944 STEPHEN LN, LOWELL, IN 46356-2397
Document Number	0000036969
Map Reference	DOC 2024-030964
Instrument Date	Sep 25, 2025
Instrument	2025-536969
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 19, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4944 STEPHEN LN, LEROY, IN 46355

Mortgage

Document Number	0000036970
Date	Sep 26, 2025
Instrument	2025-536970

Lender

Name	UNIVERSITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2040

Interest

Rate Type	Adjustable Rate

June 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IN
Recording Date	Jun 9, 2025
Property Address	4944 STEPHEN LN, LOWELL, IN 46356-2397
Document Number	0000020706
Map Reference	DOC 2024-030964
Instrument Date	Jun 5, 2025
Instrument	2025-520706
Transaction Type	Transfer
Record Updated	Mar 19, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS COMPANY

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18385 JUDITH WAY, LOWELL, IN 46356-2611

Tax Assessment & Valuation

Source: Lake County assessment roll, as of December 29, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2025	$600 Land $600	$600 Land $600

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 4944 Stephen Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.

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	1 (2003)
Most Recent Claim	Jul 2003 · Severe Storms, Tornadoes, And Flooding

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

The area around 4944 Stephen Ln 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	INDIANA AMERICAN WATER - LOWELL serves 11,908 people · EPA ID IN5245029
Water Source	Groundwater influenced by surface water
Last State Inspection	Jun 2024
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Dec 2022 Total trihalomethanes resolved · Jan 2020
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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
AT&T Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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