Lake County property record for 8227 Locust Ave, Gary, IN 46403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,132 sqft · built 1957 |
| Lot Size | 0.158 acres (6,882 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,236 (2024) |
| Deeds & Mortgages | Feb 2024 Mortgage Dec 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-25-46-0089-0017 |
| Primary APN | 001-25-46-0089-0017 |
|---|---|
| Alternative APNs |
|
| 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 | 2,132 sqft Living Area |
| Gross Area | 3,562 sqft |
| 1st Floor Area | 1,066 sqft |
| Basement Area | 1,066 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1990 |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 6,882 sqft (0.158 acres) |
| Lot Dimensions | 125 ft deep x 55 ft wide |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 364 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 8227 LOCUST AVE |
|---|---|
| City | GARY |
| State | IN |
| Zip | 46403-1469 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NORCOTTS ADD. INDIANA CITY ALL L.17 & L.16 BL.3 E. 5FT. L.18 BL.3 |
| Legal Subdivision | NORCOTTS ADD |
| Legal Block | 3 |
| Legal Lot Number | 17 |
| Jurisdiction | LAKE IN |
| Township / Civil Division | CALUMET |
| Census Block Group | 4 |
| Census Block | 4023 |
| Census Tract | 10100 |
Source: Lake County records, as of December 29, 2025
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 | 9302 KENNEDY AVE, HIGHLAND, IN 46322-2750 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Feb 20, 2024 | Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST |
| Dec 27, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CENTIER BANK |
| May 23, 2022 | Warranty Deed, Transfer FIDELITY NATIONAL TITLE |
| Dec 9, 2019 | Warranty Deed, Transfer · Conventional Mortgage CENTIER BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 23, 2022 |
| Deed Sale | May 23, 2022 |
| Prior Sale | Dec 9, 2019 · Amount on Record |
| Deed Document Number | 2022521502 |
| Prior Transfer Date | Jul 15, 2019 |
| Prior Transfer Doc | 0000045348 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IN |
| Property Address | 8227 LOCUST AVE, GARY, IN 46403-1469 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2024 |
| Title Company | BOSTON NATIONAL TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 8227 LOCUST AVE, GARY, IN 46403-1469 |
| Document Number | 0000004974 |
|---|---|
| Date | Feb 20, 2024 |
| Instrument | 2024-504974 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 1, 2034 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 12% |
| Margin | 3 |
| Max Rate | 12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IN |
| Property Address | 8227 LOCUST AVE, GARY, IN 46403-1469 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2023 |
| Title Company | MERIDIAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 8227 LOCUST AVE, GARY, IN 46403-1469 |
| Document Number | 0000050517 |
|---|---|
| Date | Dec 27, 2022 |
| Instrument | 2022-550517 |
| Name | CENTIER BANK |
|---|---|
| Type | Bank |
| Address | MERRILLVILLE, IN 46410 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IN |
| Recording Date | May 23, 2022 |
| Property Address | 8227 LOCUST AVE, GARY, IN 46403-1469 |
| Document Number | 0000021502 |
| Map Reference | MB 1 PG 14 |
| Instrument Date | Apr 29, 2022 |
| Instrument | 2022-521502 |
| Transaction Type | Transfer |
| Record Updated | May 30, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 9302 KENNEDY AVE, HIGHLAND, IN 46322-2750 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IN |
| Recording Date | Dec 9, 2019 |
| Property Address | 8227 LOCUST AVE, GARY, IN 46403-1469 |
| Document Number | 0000084887 |
| Map Reference | MB 1 PG 14 |
| Instrument Date | Dec 2, 2019 |
| Instrument | 2019 084887 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | MTC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 8227 LOCUST AVE, GARY, IN 46403-1469 |
| Document Number | 0000084888 |
|---|---|
| Date | Dec 9, 2019 |
| Instrument | 2019 084888 |
| Name | CENTIER BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
Source: Lake County assessment roll, as of December 29, 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 | $277,400 (+7.98%) Land $104,400 Building $173,000 | $277,400 (+7.98%) Land $104,400 Building $173,000 | |
| 2024 | $3,236.00 (+81.49%) | ||
| 2023 | $256,900 (+78.53%) Land $107,800 Building $149,100 | $256,900 (+78.53%) Land $107,800 Building $149,100 | |
| 2022 | $1,783.00 Homeowner's exemption | $143,900 Land $30,000 Building $113,900 | $143,900 Land $30,000 Building $113,900 |
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 | 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.
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 438 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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