511 Spruce St, Hammond, IN 46324 Property Records

Lake County property record for 511 Spruce St, Hammond, IN 46324

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 686 sqft · built 1949
Lot Size	0.114 acres (5,000 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Jun 2021)
Tax Bill	$1,457 (2024)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`007-26-36-0072-0018`

Property Details

APN / Parcel Number

Primary APN	`007-26-36-0072-0018`
Alternative APNs	`45-06-12-256-015.000-023` `263600720018`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	686 sqft Living Area
Basement Area	686 sqft
Game Room	Game Room

Exterior

Year Built	Built 1949
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Material	Asphalt
Lot Area	5,000 sqft (0.114 acres)
Lot Dimensions	125 ft deep x 40 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	007-26-36-0072-0018
Old Parcel Number	263600720018
Street Address	511 SPRUCE ST
City	HAMMOND
State	IN
Zip	46324-1529
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH HAMMOND ALL LOT 28 & W. 15FT. OF LOT 29 BL.4
Legal Subdivision	SOUTH HAMMOND
Legal Block	4
Legal Lot Number	28
Jurisdiction	LAKE IN
Township / Civil Division	NORTH
Census Block Group	3
Census Block	3021
Census Tract	21400

Owner

511 Spruce St is owned and occupied by an individual who bought it in June 2021.

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

Owner of Record	Individual Name on File
Mailing Address	511 SPRUCE ST, HAMMOND, IN 46324-1529
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 2021 · Amount on File
Deed Sale	Jun 23, 2021 · Amount on File
Prior Sale	Aug 22, 2007
Deed Document Number	2021-514795
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Jun 23, 2021
Property Address	511 SPRUCE ST, HAMMOND, IN 46324-1529
Document Number	0000014795
Map Reference	MB 2 PG 38
Instrument Date	Jun 17, 2021
Instrument	2021-514795
Transaction Type	Transfer
Record Updated	Feb 9, 2023
Title Company	COMMUNITY TITLE, COMMUNITY TITLE C O

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 SPRUCE ST, HAMMOND, IN 46324-1529

Mortgage

Document Number	0000014796
Date	Jun 23, 2021
Instrument	2021-514796

Lender

Name	HANCOCK MORTGAGE PARTNERS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

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	Hammond City
Unified School District	Hammond School City (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$122,200 Land $23,800 Building $98,400	$122,200 Land $23,800 Building $98,400
2024	$1,457.00
2023		$107,500 (+5.91%) Land $23,700 Building $83,800	$107,500 (+5.91%) Land $23,700 Building $83,800
2022	$1,264.00	$101,500 Land $23,700 Building $77,800	$101,500 Land $23,700 Building $77,800

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

Flood

FEMA maps place 511 Spruce St in Zone X, an area of minimal flood risk.

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

The area around 511 Spruce 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 614 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Astound Broadband, AT&T, Verizon.

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