8108 Howard Ave, Munster, IN 46321 Property Records

Lake County property record for 8108 Howard Ave, Munster, IN 46321

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 3,658 sqft · built 1951
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,194 (2024)
Deeds & Mortgages	Jun 2023 Mortgage May 2023 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`007-18-28-0153-0042`

Property Details

APN / Parcel Number

Primary APN	`007-18-28-0153-0042`
Alternative APNs	`45-07-19-126-013.000-027` `182801530042`

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	3,658 sqft Living Area
Gross Area	4,050 sqft
1st Floor Area	1,350 sqft
Basement Area	1,350 sqft
Finished Basement	958 sqft
Unfinished Basement	392 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1995
Construction Type	Brick
Roof Material	Asphalt
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	125 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	528 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	8108 HOWARD AVE
City	MUNSTER
State	IN
Zip	46321-1835
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAWRENCE MONALDIS 6TH ADD. TO MUNSTER LOT 43
Legal Subdivision	LAWRENCE MONALDIS 6TH ADD
Legal Lot Number	43
Jurisdiction	LAKE IN
Township / Civil Division	NORTH
Census Block Group	4
Census Block	4007
Census Tract	40401

Owner

8108 Howard Ave is owned and occupied by two individuals who acquired it in May 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	8108 HOWARD AVE, MUNSTER, IN 46321-1835
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
Jun 20, 2023	Deed of Trust, Mortgage · Conventional Mortgage CME LENDING GROUP LLC
May 15, 2023	Deed, Transfer FIDELITY NATIONAL TITLE
May 15, 2023	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2023
Deed Sale	May 15, 2023
Deed Document Number	2023514469
Prior Transfer Date	May 11, 2023
Prior Transfer Doc	0000014468
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	8108 HOWARD AVE, MUNSTER, IN 46321-1835
Transaction Type	Mortgage
Record Updated	Aug 15, 2023
Title Company	GREATER INDIANA TITLE COMPANY, GREATER INDIANA TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6460 DOUBLE EAGLE DR 301, 301, WOODRIDGE, IL 60517-1662

Mortgage

Document Number	0000019011
Date	Jun 20, 2023
Instrument	2023-519011

Lender

Name	CME LENDING GROUP LLC
Type	Mortgage Company
Address	CHESTERTON, IN 46304

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE IN
Recording Date	May 15, 2023
Property Address	8108 HOWARD AVE, MUNSTER, IN 46321-1835
Document Number	0000014469
Map Reference	MB 30 PG 82
Instrument Date	May 11, 2023
Instrument	2023-514469
Transaction Type	Transfer
Record Updated	Jul 28, 2023
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	8108 HOWARD AVE, MUNSTER, IN 46321-1835

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IN
Recording Date	May 15, 2023
Property Address	8108 HOWARD AVE, MUNSTER, IN 46321-1835
Document Number	0000014468
Map Reference	MB 30 PG 82
Instrument Date	May 11, 2023
Instrument	2023-514468
Transaction Type	Transfer
Record Updated	Jul 28, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8108 HOWARD AVE, MUNSTER, IN 46321-1835

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	Munster Town
Unified School District	Munster School Town (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$295,700 Land $41,200 Building $254,500	$295,700 Land $41,200 Building $254,500
2024	$3,194.00
2023		$246,300 (+5.75%) Land $45,300 Building $201,000	$246,300 (+5.75%) Land $45,300 Building $201,000
2022	$3,062.00 (-13.18%) Homeowner's exemption	$232,900 Land $45,300 Building $187,600	$232,900 Land $45,300 Building $187,600
2021	$3,527.00

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

Flood

FEMA maps place 8108 Howard Ave in Zone X, an area of moderate flood risk, though there have been 129 flood claims nearby since 1982.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	129 (1982–2026)
Claims Outside the SFHA	8 of 129
Most Recent Claim	Aug 2026 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2008 · 110 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

The area around 8108 Howard Ave 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	MUNSTER WATER COMPANY serves 23,894 people · EPA ID IN5245031
Water Source	Purchased surface water from HAMMOND WATER WORKS DEPARTMENT
Last State Inspection	Mar 2024
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 423 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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