8138 Howard Ave, Munster, IN 46321 Property Records

Lake County property record for 8138 Howard Ave, Munster, IN 46321

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,179 sqft · built 1956
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,517 (2024)
Deeds & Mortgages	Aug 2022 Mortgage Jan 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`007-18-28-0153-0036`

Property Details

APN / Parcel Number

Primary APN	`007-18-28-0153-0036`
Alternative APNs	`45-07-19-126-019.000-027` `182801530036`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,179 sqft Living Area
Basement Area	1,179 sqft
Finished Basement	909 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 2010
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
Pool Type	Above-Ground Pool
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	007-18-28-0153-0036
Old Parcel Number	182801530036
Street Address	8138 HOWARD AVE
City	MUNSTER
State	IN
Zip	46321-1835
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAWRENCE MONALDI'S 6TH ADD. TO MUNSTER LOT 37
Legal Subdivision	LAWRENCE MONALDIS 06 ADD/HAM
Legal Lot Number	37
Jurisdiction	LAKE IN
Township / Civil Division	NORTH
Census Block Group	4
Census Block	4007
Census Tract	40401

Owner

8138 Howard Ave is owned and occupied by two individuals who acquired it in January 2019.

Source: Lake County records, as of March 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	8138 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
Aug 2, 2022	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jan 9, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 16, 2018	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2018
Deed Sale	Mar 16, 2018
Prior Sale	Mar 16, 2018
Deed Document Number	0000017751
Last Transfer Date	Jan 9, 2019
Transfer Doc	0000001705
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	8138 HOWARD AVE, MUNSTER, IN 46321-1835
Transaction Type	Mortgage
Record Updated	Aug 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031689
Date	Aug 2, 2022
Instrument	2022-531689

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Aug 1, 2047

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IN
Recording Date	Jan 9, 2019
Property Address	8138 HOWARD AVE, MUNSTER, IN 46321-1835
Document Number	0000001705
Instrument Date	Jan 8, 2019
Instrument	1705
Transaction Type	Transfer
Record Updated	Jan 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8138 HOWARD AVE MUNSTER IN 463211835, MUNSTER, IN 46321-1835

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Mar 16, 2018
Property Address	8138 HOWARD AVE, MUNSTER, IN 46321-1835
Document Number	0000017751
Instrument Date	Mar 12, 2018
Instrument	17751
Transaction Type	Transfer
Record Updated	Apr 2, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8138 HOWARD AVE MUNSTER IN 463211835, MUNSTER, IN 46321-1835

Mortgage

Document Number	17752
Date	Mar 16, 2018
Instrument	17752

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 15, 2048

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 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		$323,600 Land $41,200 Building $282,400	$323,600 Land $41,200 Building $282,400
2024	$3,517.00
2023		$267,600 (+6.23%) Land $45,300 Building $222,300	$267,600 (+6.23%) Land $45,300 Building $222,300
2022	$3,297.00 Homeowner's exemption	$251,900 Land $45,300 Building $206,600	$251,900 Land $45,300 Building $206,600

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

Flood

FEMA maps place 8138 Howard Ave in Zone X, an area of minimal 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 minimal risk
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 8138 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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