643 Apache Ln, Lowell, IN 46356 Property Records

Lake County property record for 643 Apache Ln, Lowell, IN 46356

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,248 sqft · built 1975
Lot Size	0.253 acres (11,025 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Aug 2021)
Tax Bill	$2,303 (2024)
Deeds & Mortgages	Dec 2019 Mortgage Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-29-04-0168-0034`

Property Details

APN / Parcel Number

Primary APN	`010-29-04-0168-0034`
Alternative APNs	`45-19-22-404-003.000-038` `290401680034`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 2010
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	11,025 sqft (0.253 acres)
Lot Dimensions	147 ft deep x 75 ft wide
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	010-29-04-0168-0034
Old Parcel Number	290401680034
Street Address	643 APACHE LN
City	LOWELL
State	IN
Zip	46356-1607
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INDIAN HEIGHTS UNIT 8 L. 34 2000092049
Legal Subdivision	INDIAN HEIGHTS 08
Legal Lot Number	34
Jurisdiction	LAKE IN
Township / Civil Division	WEST CREEK
Census Block Group	3
Census Block	3017
Census Tract	43401

Owner

Source: Lake County records, as of March 18, 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
Co-owner	Co-owner on Record
Mailing Address	643 APACHE LN, LOWELL, IN 46356-1607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2019	Deed of Trust, Mortgage · Commercial Mortgage CENTIER BANK
Aug 24, 2021	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Apr 10, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2021 · Amount on Record
Deed Sale	Aug 24, 2021 · Amount on Record
Prior Sale	Apr 10, 2017
Deed Document Number	0000024417
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	643 APACHE LN, LOWELL, IN 46356-1607
Transaction Type	Mortgage
Record Updated	Mar 31, 2022
Title Company	CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000085947
Date	Dec 12, 2019
Instrument	2019 085947

Lender

Name	CENTIER BANK
Type	Bank
Address	MERRILLVILLE, IN 46410

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 18, 2029

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Aug 24, 2021
Property Address	643 APACHE LN, LOWELL, IN 46356-1607
Document Number	0000024417
Map Reference	MB 41 PG 132
Instrument Date	Aug 24, 2021
Instrument	2021-524417
Transaction Type	Transfer
Record Updated	Feb 9, 2023

Transaction

Amount	Amount Recorded
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	643 APACHE LN, LOWELL, IN 46356-1607

Mortgage

Document Number	0000024418
Date	Aug 24, 2021
Instrument	2021-524418

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

April 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE IN
Recording Date	Apr 10, 2017
Property Address	643 APACHE LN, LOWELL, IN 46356-1607
Document Number	0000022452
Map Reference	MB41 PG132
Instrument Date	Mar 16, 2017
Instrument	2017 022452
Transaction Type	Transfer
Record Updated	Mar 31, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 APACHE LN, LOWELL, IN 46356-1607

Mortgage

Document Number	0000022453
Date	Apr 10, 2017
Instrument	2017 022453

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2032

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
County	Lake County
County Subdivision	West Creek Township
Municipality	Lowell Town
Unified School District	Tri-Creek School Corporation (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$244,400 (+10.49%) Land $33,500 Building $210,900	$244,400 (+10.49%) Land $33,500 Building $210,900
2024	$2,303.00 (+11.15%)
2023		$221,200 (+6.35%) Land $33,500 Building $187,700	$221,200 (+6.35%) Land $33,500 Building $187,700
2022	$2,072.00	$208,000 Land $33,500 Building $174,500	$208,000 Land $33,500 Building $174,500

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 Claims	25 (1978–2019)
Claims Outside the SFHA	2 of 25
Most Recent Claim	Jun 2019 · other causes
Claims by Event	Severe Storms And Flooding, Sep 2008 · 3 claims

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 - LOWELL serves 11,908 people · EPA ID IN5245029
Water Source	Groundwater influenced by surface water
Last State Inspection	Jun 2024
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Dec 2022 Total trihalomethanes resolved · Jan 2020
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 249 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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