509 River Dr, Munster, IN 46321 Property Records

Lake County property record for 509 River Dr, Munster, IN 46321

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,677 sqft · built 1963
Lot Size	0.359 acres (15,675 sqft)
Owner	Individual Name on Record
Tax Bill	$2,462 (2024)
Deeds & Mortgages	Oct 2019 Mortgage Nov 2018 Mortgage + 1 more
Flood Zone	Zone AH (high risk)
APN	`007-18-28-0224-0016`

Property Details

APN / Parcel Number

Primary APN	`007-18-28-0224-0016`
Alternative APNs	`45-06-13-406-003.000-027` `182802240016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,677 sqft Living Area

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1990
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	15,675 sqft (0.359 acres)
Lot Dimensions	285 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	007-18-28-0224-0016
Old Parcel Number	182802240016
Street Address	509 RIVER DR
City	MUNSTER
State	IN
Zip	46321-1126
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DINGEMAN JABAAY ADD. TO MUNSTER ALL L.16 SUBJ. TO EASEMENT
Legal Subdivision	DINGEMAN JABAAY ADD
Legal Lot Number	16
Jurisdiction	LAKE IN
Township / Civil Division	NORTH
Census Block Group	1
Census Block	1000
Census Tract	40302

Owner

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

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	509 RIVER DR, MUNSTER, IN 46321-1126
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Nov 7, 2018	Deed, Transfer · FHA Mortgage STEARNS LENDING LLC
Jun 16, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2018
Deed Sale	Nov 7, 2018
Prior Sale	Jun 16, 2017
Deed Document Number	2018 077244
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	509 RIVER DR, MUNSTER, IN 46321-1126
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000074747
Date	Oct 30, 2019
Instrument	2019 074747

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE IN
Recording Date	Nov 7, 2018
Property Address	509 RIVER DR, MUNSTER, IN 46321-1126
Document Number	0000077244
Map Reference	MB35 PG17
Instrument Date	Oct 25, 2018
Instrument	2018 077244
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	COMMUNITY TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 RIVER DR, MUNSTER, IN 46321-1126

Mortgage

Document Number	0000077245
Date	Nov 7, 2018
Instrument	2018 077245

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IN
Recording Date	Jun 16, 2017
Property Address	509 RIVER DR, MUNSTER, IN 46321-1126
Document Number	0000036756
Instrument Date	May 9, 2017
Instrument	36756
Transaction Type	Transfer
Record Updated	Jun 27, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	12623 BYRON AVE GRANADA HILLS CA 913441349, GRANADA HILLS, CA 91344-1349

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
County	Lake County
County Subdivision	North Township
Municipality	Munster Town
Unified School District	Munster School Town (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$269,500 (+34.62%) Land $95,000 Building $174,500	$269,500 (+34.62%) Land $95,000 Building $174,500
2024	$2,462.00 (+1.11%)
2023		$200,200 (+5.87%) Land $48,700 Building $151,500	$200,200 (+5.87%) Land $48,700 Building $151,500
2022	$2,435.00 Homeowner's exemption	$189,100 Land $48,700 Building $140,400	$189,100 Land $48,700 Building $140,400

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 16, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	593.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 20 policies
Nearby Flood Policies	20 in force
Nearby Flood Claims	2 (2008–2019)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2019 · rainfall accumulation

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

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	MUNSTER WATER COMPANY serves 23,894 people · EPA ID IN5245031
Water Source	Purchased surface water from HAMMOND WATER WORKS DEPARTMENT
Last State Inspection	Mar 2024
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 626 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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