545 Ridge Rd, Munster, IN 46321 Property Records

Lake County property record for 545 Ridge Rd, Munster, IN 46321

Property Summary

Property Type	Bank, Financial Building
Details	2,576 sqft · built 1974
Lot Size	0.477 acres (20,778 sqft)
Owner	Company Name on File
Tax Bill	$17,768 (2024)
Deeds & Mortgages	Jul 2026 Mortgage Jan 2026 Sale + 5 more
Flood Zone	Zone X (minimal risk)
APN	`007-18-28-0315-0001`

Property Details

APN / Parcel Number

Primary APN	`007-18-28-0315-0001`
Alternative APNs	`45-06-24-253-008.000-027` `182803150001`

Interior

Stories	1 Story
Building Area	2,576 sqft Gross Area
1st Floor Area	2,576 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1995
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	20,778 sqft (0.477 acres)
Canopy	840 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	545 RIDGE RD
City	MUNSTER
State	IN
Zip	46321-1607
Property Category	Commercial
Property Type	Commercial > Office > Bank, Financial Building
Legal Description	STULTS ADD.TO TOWN OF MUNSTER LOT 1
Legal Subdivision	STULTS ADD
Legal Lot Number	1
Jurisdiction	LAKE IN
Township / Civil Division	NORTH
Census Block Group	2
Census Block	2008
Census Tract	40302

Owner

545 Ridge Rd, a commercial property, is owned by a company that acquired it in January 2026.

Source: Lake County records, as of August 14, 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	Company Name on File
Mailing Address	6697 GILMER RD, LONG GROVE, IL 60047-5185
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage OLD NATIONAL BANK
Jan 6, 2026	Warranty Deed, Transfer INDIANA TITLE NETWORK COMPANY, INDIANA TITLE NETWORK CO
Nov 14, 2023	Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO
Nov 14, 2023	Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO
Dec 29, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
Dec 29, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
May 31, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2026
Deed Sale	Jan 6, 2026
Prior Sale	Nov 14, 2023 · Amount on File
Deed Document Number	2026500722
Prior Transfer Date	Dec 9, 2022
Prior Transfer Doc	0000050887
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Recording Date	Jul 29, 2026
Property Address	545 RIDGE RD, MUNSTER, IN 46321-1607
Document Number	0000531972
Instrument Date	Jul 13, 2026
Instrument	2026531972
Transaction Type	Mortgage
Record Updated	Aug 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	545 RIDGE RD, MUNSTER, IN 46321-1607

Mortgage

Document Number	0000531972,
Date	Jul 29, 2026
Instrument	2026531972

Lender

Name	OLD NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 13, 2036

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Jan 6, 2026
Property Address	545 RIDGE RD, MUNSTER, IN 46321-1607
Document Number	0000000722
Map Reference	MB 40 PG 118
Instrument Date	Dec 19, 2025
Instrument	2026-500722
Transaction Type	Transfer
Record Updated	Jan 15, 2026
Title Company	INDIANA TITLE NETWORK COMPANY, INDIANA TITLE NETWORK CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6697 GILMER RD, LONG GROVE, IL 60047-5185

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE IN
Recording Date	Nov 14, 2023
Property Address	545 RIDGE RD, MUNSTER, IN 46321-1607
Document Number	0000037375
Map Reference	MB 40 PG 118
Instrument Date	Nov 9, 2023
Instrument	2023-537375
Transaction Type	Transfer
Record Updated	Nov 21, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1008 TREADWAY RD, MUNSTER, IN 46321-2853

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE IN
Recording Date	Nov 14, 2023
Property Address	545 RIDGE RD, MUNSTER, IN 46321-1607
Document Number	0000037376
Map Reference	MB 40 PG 118
Instrument Date	Nov 8, 2023
Instrument	2023-537376
Transaction Type	Transfer
Record Updated	Nov 21, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1008 TREADWAY RD, MUNSTER, IN 46321-2853

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE IN
Recording Date	Dec 29, 2022
Property Address	545 RIDGE RD, MUNSTER, IN 46321-1607
Document Number	0000050888
Map Reference	MB 40 PG 118
Instrument Date	Dec 12, 2022
Instrument	2022-550888
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	PO BOX 810490, DALLAS, TX 75381-0490

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE IN
Recording Date	Dec 29, 2022
Property Address	545 RIDGE RD, MUNSTER, IN 46321-1607
Document Number	0000050887
Map Reference	MB 40 PG 118
Instrument Date	Dec 9, 2022
Instrument	2022-550887
Transaction Type	Transfer
Record Updated	Jan 9, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	PO BOX 810490, DALLAS, TX 75381-0490

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE IN
Recording Date	May 31, 2022
Property Address	545 RIDGE RD, MUNSTER, IN 46321-1607
Document Number	0000022418
Map Reference	MB 40 PG 118
Instrument Date	May 21, 2022
Instrument	2022-522418
Transaction Type	Transfer
Record Updated	Jun 8, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 810490, DALLAS, TX 75381-0490

Tax Assessment & Valuation

Source: Lake County assessment roll, as of December 29, 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		$539,300 (+7.86%) Land $263,500 Building $275,800	$539,300 (+7.86%) Land $263,500 Building $275,800
2024	$17,768.00	$500,000 (-24.76%) Land $263,500 Building $236,500	$500,000 (-24.76%) Land $263,500 Building $236,500
2023		$664,500 (+0.21%) Land $263,500 Building $401,000	$664,500 (+0.21%) Land $263,500 Building $401,000
2022	$17,826.00	$663,100 Land $253,100 Building $410,000	$663,100 Land $253,100 Building $410,000

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

Flood

FEMA maps place 545 Ridge Rd 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 545 Ridge Rd 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	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 358 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 DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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