609 Rutledge St, Gary, IN 46404 Property Records

Lake County property record for 609 Rutledge St, Gary, IN 46404

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,650 sqft · built 1946
Lot Size	0.115 acres (5,009 sqft)
Owner	Individual Name on Record
Last Sale	$86,837 (Feb 2025)
Tax Bill	$247 (2024)
Deeds & Mortgages	Feb 2025 Sale & Mortgage Oct 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-25-44-0198-0002`

Property Details

APN / Parcel Number

Primary APN	`001-25-44-0198-0002`
Alternative APNs	`45-08-05-338-002.000-004` `254401980002`

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	1,650 sqft Living Area
Gross Area	2,475 sqft
1st Floor Area	1,650 sqft
Basement Area	825 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1970
Construction Type	Brick
Roof Material	Asphalt
Lot Area	5,009 sqft (0.115 acres)
Lot Dimensions	125 ft deep x 40 ft wide
View / Lot	Alley
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	609 RUTLEDGE ST
City	GARY
State	IN
Zip	46404-1317
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GARY LAND COS. 5TH SUB. L.2 BL.4
Legal Subdivision	GARY LAND COS. 5TH SUB
Legal Block	4
Legal Lot Number	2
Jurisdiction	LAKE IN
Township / Civil Division	CALUMET
Census Block Group	3
Census Block	3014
Census Tract	10400

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 December 29, 2025

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	609 RUTLEDGE ST, GARY, IN 46404-1317
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2025	Warranty Deed, Transfer · FHA Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP
Oct 2, 2024	Intrafamily Transfer, Transfer
Oct 2, 2024	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2025 · Amount on Record
Deed Sale	Feb 3, 2025 · Amount on Record
Deed Document Number	2025503775
Prior Transfer Date	Oct 2, 2024
Prior Transfer Doc	0000029268
Record Updated	Sep 20, 2026

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Feb 3, 2025
Property Address	609 RUTLEDGE ST, GARY, IN 46404-1317
Document Number	0000003775
Map Reference	MB 15 PG 3
Instrument Date	Jan 30, 2025
Instrument	2025-503775
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 RUTLEDGE ST, GARY, IN 46404-1317

Mortgage

Document Number	0000003776
Date	Feb 3, 2025
Instrument	2025-503776

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

October 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE IN
Recording Date	Oct 2, 2024
Property Address	609 RUTLEDGE ST, GARY, IN 46404-1317
Document Number	0000029268
Map Reference	MB 15 PG 3
Instrument Date	Oct 2, 2024
Instrument	2024-029268
Transaction Type	Transfer
Record Updated	Feb 6, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	609 RUTLEDGE ST, GARY, IN 46404-1317

October 2024: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	LAKE IN
Recording Date	Oct 2, 2024
Property Address	609 RUTLEDGE ST, GARY, IN 46404-1317
Document Number	0000029267
Map Reference	MB 15 PG 3
Instrument Date	Oct 2, 2024
Instrument	2024-029267
Transaction Type	Transfer
Record Updated	Feb 6, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 RUTLEDGE ST, GARY, IN 46404-1317

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		$90,300 (+18.97%) Land $6,600 Building $83,700	$90,300 (+18.97%) Land $6,600 Building $83,700
2024	$247.00 (+51.53%)	$75,900 (+5.12%) Land $6,600 Building $69,300	$75,900 (+5.12%) Land $6,600 Building $69,300
2023		$72,200 (-0.82%) Land $6,300 Building $65,900	$72,200 (-0.82%) Land $6,300 Building $65,900
2022	$163.00	$72,800 Land $4,000 Building $68,800	$72,800 Land $4,000 Building $68,800

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

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	1 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	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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