Lake County property record for 523 River Dr, Munster, IN 46321
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,506 sqft · built 1960 |
| Lot Size | 0.295 acres (12,879 sqft) |
| Owner | 2 Owner Names on File |
| Tax Bill | $3,159 (2024) |
| Deeds & Mortgages | Jan 2022 Mortgage |
| Flood Zone | Zone X (reduced by levee) |
| APN | 007-18-28-0178-0023 |
| Primary APN | 007-18-28-0178-0023 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,506 sqft Living Area |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1995 |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Asphalt |
| Lot Area | 12,879 sqft (0.295 acres) |
| Lot Dimensions | 159 ft deep x 81 ft wide |
| Garage Type | Attached |
| Garage Area | 350 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 007-18-28-0178-0023 |
|---|---|
| Old Parcel Number | 182801780023 |
| Street Address | 523 RIVER DR |
| City | MUNSTER |
| State | IN |
| Zip | 46321-1126 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SCHOON & HARKEMA 2ND ADD. TO MUNSTER L.23 LY'G.W. OF CENT. LINE VAN BUREN AVE. E XT. N. |
| Legal Subdivision | SCHOOL & HARKEMA ADD 02 |
| Legal Lot Number | 23 |
| Jurisdiction | LAKE IN |
| Township / Civil Division | NORTH |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 40302 |
The current owner of 523 River Dr acquired it in September 2005.
Source: Lake County records, as of March 18, 2026
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 523 RIVER DR, MUNSTER, IN 46321-1126 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 26, 2005 |
| Deed Sale | Sep 26, 2005 |
| Deed Document Number | 0000084365 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IN |
| Property Address | 523 RIVER DR, MUNSTER, IN 46321-1126 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0000004715 |
|---|---|
| Date | Jan 28, 2022 |
| Instrument | 2022-504715 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2037 |
Source: Lake County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Indiana |
| County | Lake County |
| County Subdivision | North Township |
| Municipality | Munster Town |
| Unified School District | Munster School Town (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $290,800 Land $83,500 Building $207,300 | $290,800 Land $83,500 Building $207,300 | |
| 2024 | $3,159.00 | ||
| 2023 | $244,100 (+5.9%) Land $60,400 Building $183,700 | $244,100 (+5.9%) Land $60,400 Building $183,700 | |
| 2022 | $3,011.00 Homeowner's exemption | $230,500 Land $60,400 Building $170,100 | $230,500 Land $60,400 Building $170,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 523 River Dr in Zone X, where a levee reduces flood risk, within 100 ft of a high-risk flood zone.
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 reduced by levee · depends on levee performance |
|---|---|
| Nearest Special Flood Hazard Area | Zone AH, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
The area around 523 River Dr 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.
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 |
| 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.
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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