518 Rutledge St, Gary, IN 46404 Property Records

Lake County property record for 518 Rutledge St, Gary, IN 46404

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,625 sqft · built 1942
Lot Size	0.117 acres (5,097 sqft)
Owner	Company Name on Record
Last Sale	$219,450 (May 2026)
Tax Bill	$889 (2024)
Deeds & Mortgages	May 2026 Sale & Construction Loan Feb 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-25-44-0220-0012`

Property Details

APN / Parcel Number

Primary APN	`001-25-44-0220-0012`
Alternative APNs	`45-08-05-333-015.000-004` `254402200012`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,625 sqft Living Area
Gross Area	3,500 sqft
1st Floor Area	875 sqft
Basement Area	875 sqft

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1970
Construction Type	Brick
Roof Material	Asphalt
Lot Area	5,097 sqft (0.117 acres)
Lot Dimensions	127 ft deep x 40 ft wide
View / Lot	Alley
Garage Type	Detached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	518 RUTLEDGE ST
City	GARY
State	IN
Zip	46404-1316
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RESUB. GARY LAND COS. 6TH SUB. ALL L.12 BL.5 N. 10 FT. L.13 BL.5
Legal Subdivision	GARY LAND COS. 6TH SUB
Legal Block	5
Legal Lot Number	12
Jurisdiction	LAKE IN
Township / Civil Division	CALUMET
Census Block Group	1
Census Block	1034
Census Tract	10203

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Combs Addition Historic District listed 2014 · 99 contributing resources · NRIS 14000805

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Lake County records, as of May 19, 2026

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

Owner of Record	Company Name on Record
Mailing Address	255 E 61ST AVE, MERRILLVILLE, IN 46410-3014
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
May 8, 2026	Warranty Deed, Transfer · Construction Mortgage INDIANA TITLE NETWORK COMPANY, INDIANA TITLE NETWORK
Feb 21, 2023	Warranty Deed, Transfer · FHA Mortgage DIRECT MORTGAGE LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2026 · Amount on Record
Deed Sale	May 8, 2026 · Amount on Record
Prior Sale	Feb 21, 2023 · Amount on Record
Deed Document Number	2026518843
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	May 8, 2026
Property Address	518 RUTLEDGE ST, GARY, IN 46404-1316
Document Number	0000518843
Instrument Date	Apr 29, 2026
Instrument	2026.518843
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	INDIANA TITLE NETWORK COMPANY, INDIANA TITLE NETWORK

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	255 E 61ST AVE, MERRILLVILLE, IN 46410-3014

Mortgage

Document Number	0000518844,
Date	May 8, 2026
Instrument	2026..518844

Lender

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 28, 2027

Interest

Rate	6.38%
Max Rate	-1%

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Feb 21, 2023
Property Address	518 RUTLEDGE ST, GARY, IN 46404-1316
Document Number	0000005017
Map Reference	MB 14 PG 21
Instrument Date	Feb 17, 2023
Instrument	2023-505017
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	CHICAGO TITLE COMPANY/CA, CHICAGO TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 RUTLEDGE ST, GARY, IN 46404-1316
Investor	Possibly a Property Investor

Mortgage

Document Number	0000005018
Date	Feb 21, 2023
Instrument	2023-505018

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
County	Lake County
County Subdivision	Calumet Township
Municipality	Gary City
Unified School District	Gary Community School Corporation (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$93,200 (+26.46%) Land $6,700 Building $86,500	$93,200 (+26.46%) Land $6,700 Building $86,500
2024	$889.00 (+12.11%)
2023		$73,700 (+7.75%) Land $6,300 Building $67,400	$73,700 (+7.75%) Land $6,300 Building $67,400
2022	$793.00 (-49.87%) Homeowner's exemption	$68,400 Land $4,000 Building $64,400	$68,400 Land $4,000 Building $64,400
2021	$1,582.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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 - NORTHWEST private · serves 210,510 people · EPA ID IN5245015
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 716 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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