Lake County property record for 7645 Oak Ave, Gary, IN 46403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,960 sqft · built 1947 |
| Lot Size | 0.142 acres (6,229 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,597 (2024) |
| Deeds & Mortgages | Apr 2021 Mortgage Feb 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-25-46-0104-0013 |
| Primary APN | 001-25-46-0104-0013 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,960 sqft Living Area |
| Basement Area | 980 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 2000 |
| Construction Type | Wood |
| Roof Material | Asphalt |
| Lot Area | 6,229 sqft (0.142 acres) |
| Lot Dimensions | 125 ft deep x 50 ft wide |
| Terrain | Rolling |
| Patio Area | 121 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 001-25-46-0104-0013 |
|---|---|
| Old Parcel Number | 254601040013 |
| Street Address | 7645 OAK AVE |
| City | GARY |
| State | IN |
| Zip | 46403-1362 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NORCOTT'S ADD. INDIANA CITY ALL L.13 & L.14 BL.22 |
| Legal Subdivision | NORCOTTS ADD |
| Legal Block | 22 |
| Legal Lot Number | 13 |
| Jurisdiction | LAKE IN |
| Township / Civil Division | CALUMET |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 10100 |
Source: Lake County records, as of March 18, 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 7645 OAK AVE, GARY, IN 46403-1362 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UBS BANK USA |
| Feb 6, 2017 | Deed of Trust, Mortgage · ARM UBS BANK USA |
| Oct 22, 2018 | Deed of Trust, Mortgage · Conventional Mortgage UBS BANK USA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 20, 1999 |
| Deed Sale | Apr 20, 1999 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IN |
| Property Address | 7645 OAK AVE, GARY, IN 46403-1362 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2021 |
| Title Company | VANTAGE POINT TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000004968 |
|---|---|
| Date | Apr 20, 2021 |
| Instrument | 2021-504968 |
| Name | UBS BANK USA |
|---|---|
| Type | Bank |
| Address | SALT LAKE CITY, UT 84111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IN |
| Property Address | 7645 OAK AVE, GARY, IN 46403-1362 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000007996 |
|---|---|
| Date | Feb 6, 2017 |
| Instrument | 2017 007996 |
| Name | UBS BANK USA |
|---|---|
| Type | Bank |
| Address | SALT LAKE CITY, UT 84111 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Jan 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.75% |
| Index | 1-Year LIBOR |
| Max Rate | 8.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IN |
| Property Address | 7645 OAK AVE, GARY, IN 46403-1362 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000072067 |
|---|---|
| Date | Oct 22, 2018 |
| Instrument | 2018 072067 |
| Name | UBS BANK USA |
|---|---|
| Type | Bank |
| Address | SALT LAKE CITY, UT 84111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2048 |
Source: Lake County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Indiana |
| County | Lake County |
| County Subdivision | Calumet Township |
| Municipality | Gary City |
| Unified School District | Gary Community School Corporation (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $327,500 (+15.93%) Land $96,100 Building $231,400 | $327,500 (+15.93%) Land $96,100 Building $231,400 | |
| 2024 | $3,597.00 (+32.39%) | ||
| 2023 | $282,500 (+38.96%) Land $98,000 Building $184,500 | $282,500 (+38.96%) Land $98,000 Building $184,500 | |
| 2022 | $2,717.00 Homeowner's exemption | $203,300 Land $27,300 Building $176,000 | $203,300 Land $27,300 Building $176,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 68% of Indiana |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 232 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 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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