550 S Wayne St, Gary, IN 46403 Property Records

Lake County property record for 550 S Wayne St, Gary, IN 46403

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,050 sqft · built 1960
Lot Size	0.165 acres (7,187 sqft)
Owner	Individual Name on Record
Last Sale	$143,640 (May 2026)
Tax Bill	$2,168 (2024)
Deeds & Mortgages	May 2026 Mortgage May 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-25-47-0464-0015`

Property Details

APN / Parcel Number

Primary APN	`001-25-47-0464-0015`
Alternative APNs	`45-09-04-426-049.000-004` `254704640015`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	2 Rooms
Stories	1 Story
Building Area	2,050 sqft Living Area
1st Floor Area	1,025 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1985
Construction Type	Frame
Roof Material	Asphalt
Lot Area	7,187 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Terrain	Rolling
Garage Area	1,025 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	550 S WAYNE ST
City	GARY
State	IN
Zip	46403-3342
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNRISE SUB. L.15 BL.3
Legal Subdivision	SUNRISE SUB
Legal Block	3
Legal Lot Number	15
Jurisdiction	LAKE IN
Township / Civil Division	CALUMET
Census Block Group	1
Census Block	1011
Census Tract	10207

Owner

Source: Lake County records, as of May 21, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	121 FORNER LN, CARVER, MN 55315-4550
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION FEDERAL CREDIT UNION
May 14, 2026	Warranty Deed, Transfer · Conventional Mortgage KINGS FEDERAL CREDIT UNION
Jun 17, 2022	Warranty Deed, Transfer ACUITY TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2026 · Amount on Record
Deed Sale	May 14, 2026 · Amount on Record
Prior Sale	Jun 17, 2022
Deed Document Number	2026519625
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	May 14, 2026
Property Address	550 S WAYNE ST, GARY, IN 46403-3342
Document Number	0000019625
Instrument Date	May 8, 2026
Instrument	2026519625
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 FORNER LN, CARVER, MN 55315-4550

Mortgage

Document Number	0000519626,
Date	May 14, 2026
Instrument	2026519626

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	May 14, 2026
Property Address	550 S WAYNE ST, GARY, IN 46403-3342
Document Number	0000519625
Instrument Date	May 8, 2026
Instrument	2026.519625
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	FIDELITY NATIONAL TITLE

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
Address	121 FORNER LN, CARVER, MN 55315-4550

Mortgage

Document Number	0000519626,
Date	May 14, 2026
Instrument	2026..519626

Lender

Name	KINGS FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Jun 17, 2022
Property Address	550 S WAYNE ST, GARY, IN 46403-3342
Document Number	0000025241
Map Reference	MB 32 PG 77
Instrument Date	Apr 29, 2022
Instrument	2022-525241
Transaction Type	Transfer
Record Updated	May 22, 2023
Title Company	ACUITY TITLE

Transaction

Amount	Amount Recorded
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
Address	IN

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		$97,200 (+16.27%) Land $9,200 Building $88,000	$97,200 (+16.27%) Land $9,200 Building $88,000
2024	$2,168.00 (+387.19%)
2023		$83,600 (+107.44%) Land $9,200 Building $74,400	$83,600 (+107.44%) Land $9,200 Building $74,400
2022	$445.00 Homeowner's exemption	$40,300 Land $9,200 Building $31,100	$40,300 Land $9,200 Building $31,100

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 · 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 Policies	2 in force

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

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.9% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 115 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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