727 Spruce St, Hammond, IN 46324 Property Records

Lake County property record for 727 Spruce St, Hammond, IN 46324

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,680 sqft · built 1929
Lot Size	0.124 acres (5,412 sqft)
Owner	Individual Name on File
Last Sale	$157,900 (Mar 2021)
Tax Bill	$2,246 (2024)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`007-26-35-0267-0019`

Property Details

APN / Parcel Number

Primary APN	`007-26-35-0267-0019`
Alternative APNs	`45-06-12-281-017.000-023` `263502670019`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,680 sqft Living Area
Gross Area	3,636 sqft
1st Floor Area	1,340 sqft
Basement Area	956 sqft
Game Room	Game Room

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1995
Construction Type	Frame
Roof Material	Asphalt
Lot Area	5,412 sqft (0.124 acres)
Lot Dimensions	123 ft deep x 44 ft wide
View / Lot	Alley
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	727 SPRUCE ST
City	HAMMOND
State	IN
Zip	46324-1564
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HERMAN RAUSCHS ADD. L.18
Legal Subdivision	HERMAN RAUSCHS ADD
Legal Lot Number	18
Jurisdiction	LAKE IN
Township / Civil Division	NORTH
Census Block Group	3
Census Block	3012
Census Tract	21400

Owner

727 Spruce St is owned and occupied by an individual who bought it in March 2021.

Source: Lake County records, as of December 29, 2025

Owner of Record	Individual Name on File
Mailing Address	727 SPRUCE ST, HAMMOND, IN 46324-1564
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2021	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 1, 2019	Deed of Trust, Mortgage JOSHUA & HEATHER HEDDERMAN
Jul 24, 2018	Warranty Deed, Transfer BRIAN P MCNULTY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2021 · Amount on File
Deed Sale	Mar 8, 2021 · Amount on File
Prior Sale	Jul 24, 2018
Deed Document Number	202120479
Prior Transfer Date	Feb 7, 2012
Prior Transfer Doc	2012009928
Record Updated	Jun 8, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Mar 8, 2021
Property Address	727 SPRUCE ST, HAMMOND, IN 46324-1564
Document Number	0000020479
Instrument Date	Mar 4, 2021
Instrument	2021-020479
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	INDIANA TITLE NETWORK COMPANY, INDIANA TITLE NETWORK CO

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
Address	727 SPRUCE ST, HAMMOND, IN 46324-1564

Mortgage

Document Number	0000020480
Date	Mar 8, 2021
Instrument	2021-020480

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	727 SPRUCE ST, HAMMOND, IN 46324-1564
Document Number	0000057109
Instrument Date	Jun 1, 2019
Transaction Type	Mortgage
Record Updated	Sep 5, 2019
Title Company	INDIANA TITLE NETWORK COMPANY, INDIANA TITLE NETWORK CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	727 SPRUCE ST HAMMOND IN 463241564, HAMMOND, IN 46324-1564
Investor	Possibly a Property Investor

Mortgage

Document Number	0000057109
Date	Aug 22, 2019
Instrument	57109

Lender

Name	JOSHUA & HEATHER HEDDERMAN
Address	112 LIN TILLEY RD, DURHAM, NC 27712-1616

Agreement

Amount	Amount on Record

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Jul 24, 2018
Property Address	727 SPRUCE ST, HAMMOND, IN 46324-1564
Document Number	0000046781
Instrument Date	Jul 19, 2018
Instrument	46781
Transaction Type	Transfer
Record Updated	Sep 25, 2018
Title Company	INDIANA TITLE NETWORK COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 10665 MERRILLVILLE IN 464110665, MERRILLVILLE, IN 46411-0665
Investor	Possibly a Property Investor

Mortgage

Document Number	61902
Date	Jul 24, 2018
Instrument	61902

Lender

Name	BRIAN P MCNULTY
Address	3208 FRENCH WOODS RD, CHARLOTTE, NC 28269-9787

Agreement

Amount	Amount on Record

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	Hammond City
Unified School District	Hammond School City (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$200,800 Land $25,100 Building $175,700	$200,800 Land $25,100 Building $175,700
2024	$2,246.00
2023		$163,400 (+6.24%) Land $25,800 Building $137,600	$163,400 (+6.24%) Land $25,800 Building $137,600
2022	$2,819.00 Homeowner's exemption	$153,800 Land $25,800 Building $128,000	$153,800 Land $25,800 Building $128,000

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

Flood

FEMA maps place 727 Spruce St 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 727 Spruce St 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	HAMMOND WATER WORKS DEPARTMENT serves 78,384 people · EPA ID IN5245020
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2020
Monitoring and Reporting	5 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 673 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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