539 McCool Rd, Valparaiso, IN 46385 Property Records

Porter County property record for 539 McCool Rd, Valparaiso, IN 46385

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 1977
Lot Size	0.196 acres (8,581 sqft)
Owner	Individual Name on File
Last Sale	$209,900 (Jul 2022)
Tax Bill	$1,373 (2024)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`64-09-05-302-014.000-019`

Property Details

APN / Parcel Number

Primary APN	`64-09-05-302-014.000-019`
Alternative APNs	`03000026286` `03000046938` `00000925867`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area

Exterior

Year Built	Built 1977
Architectural Style	Other
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	8,581 sqft (0.196 acres)
Lot Dimensions	107 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	3 Parking Spaces
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	00000925867
Old Parcel Number	03000046938
Street Address	539 MCCOOL RD
City	VALPARAISO
State	IN
Zip	46385-8137
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SALT CREEK VALLEY COMMONS 2ND ADD LOT 2205 TCCD
Legal Subdivision	SALT CREEK
Legal Lot Number	2205
Jurisdiction	PORTER IN
Township / Civil Division	UNION
Census Block Group	2
Census Block	2004
Census Tract	51006

Owner

539 McCool Rd is owned and occupied by an individual who bought it in July 2022.

Source: Porter County records, as of February 18, 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	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	539 MCCOOL RD, VALPARAISO, IN 46385-8137
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2022	Warranty Deed, Transfer · Conventional Mortgage CENTIER BANK
Aug 14, 2020	Warranty Deed, Transfer · FHA Mortgage HORIZON BANK
Jul 18, 2017	Warranty Deed, Transfer · FHA Mortgage AMERICAN PORTFOLIO MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2022 · Amount on File
Deed Sale	Jul 18, 2022 · Amount on File
Prior Sale	Aug 14, 2020 · Amount on File
Deed Document Number	0000015625
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PORTER IN
Recording Date	Jul 18, 2022
Property Address	539 MCCOOL RD, VALPARAISO, IN 46385-8137
Document Number	0000015625
Map Reference	FILE 11-A-5
Instrument Date	Jul 8, 2022
Instrument	2022-015625
Transaction Type	Transfer
Record Updated	Jun 12, 2023
Title Company	CHICAGO TITLE COMPANY/CA, CHICAGO TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	539 MCCOOL RD, VALPARAISO, IN 46385-8137

Mortgage

Document Number	0000015626
Date	Jul 18, 2022
Instrument	2022-015626

Lender

Name	CENTIER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PORTER IN
Recording Date	Aug 14, 2020
Property Address	539 MCCOOL RD, VALPARAISO, IN 46385-8137
Document Number	0000020295
Map Reference	FILE 11-A-5
Instrument Date	Jul 10, 2020
Instrument	2020-020295
Transaction Type	Transfer
Record Updated	Nov 16, 2021
Title Company	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	539 MCCOOL RD, VALPARAISO, IN 46385-8137

Mortgage

Document Number	0000020296
Date	Aug 14, 2020
Instrument	2020-020296

Lender

Name	HORIZON BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PORTER IN
Recording Date	Jul 18, 2017
Property Address	539 MCCOOL RD, VALPARAISO, IN 46385-8137
Document Number	0000017986
Map Reference	FILE11-A-5
Instrument Date	Jul 14, 2017
Instrument	2017-017986
Transaction Type	Transfer
Record Updated	Nov 16, 2021

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	539 MCCOOL RD, VALPARAISO, IN 46385-8137

Mortgage

Document Number	0000017987
Date	Jul 18, 2017
Instrument	2017-017987

Lender

Name	AMERICAN PORTFOLIO MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
County	Porter County
County Subdivision	Union Township
Unified School District	Union Township School Corporation (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$205,900 Land $35,900 Building $170,000	$205,900 Land $35,900 Building $170,000
2024	$1,373.00 (+10.73%)
2023	$1,240.00 (+2.06%)	$173,200 Land $28,200 Building $145,000	$173,200 Land $28,200 Building $145,000
2022	$1,215.00

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

Flood

FEMA maps place 539 McCool Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1990.

Source: FEMA National Flood Hazard Layer, effective July 25, 2025 · 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	3 (1990–2011)
Claims Outside the SFHA	3 of 3
Most Recent Claim	May 2011 · 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

Wildfire risk around 539 McCool Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 85% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 464 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: AT&T, Verizon.

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