841 Spruce St, Hammond, IN 46324 Property Records

Lake County property record for 841 Spruce St, Hammond, IN 46324

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,480 sqft · built 1953
Lot Size	0.142 acres (6,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$145,000 (Aug 2021)
Tax Bill	$1,711 (2024)
Deeds & Mortgages	Mar 2026 Mortgage Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`007-26-32-0196-0015`

Property Details

APN / Parcel Number

Primary APN	`007-26-32-0196-0015`
Alternative APNs	`45-07-07-153-030.000-023` `263201960015`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,480 sqft Living Area
1st Floor Area	1,240 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1985
Construction Type	Frame
Roof Material	Asphalt
Lot Area	6,200 sqft (0.142 acres)
Lot Dimensions	124 ft deep x 50 ft wide
View / Lot	Alley
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	841 SPRUCE ST
City	HAMMOND
State	IN
Zip	46324-1628
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BALDWIN MANOR SUB. E2 LOT 14 ALL LOT 15, 16
Legal Subdivision	BALDWIN MANOR SUB
Legal Lot Number	14
Jurisdiction	LAKE IN
Township / Civil Division	NORTH
Census Block Group	4
Census Block	4007
Census Tract	21400

Owner

Source: Lake County records, as of March 24, 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	841 SPRUCE ST, HAMMOND, IN 46324-1628
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2026	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Aug 9, 2021	Warranty Deed, Transfer · FHA Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2021 · Amount on Record
Deed Sale	Aug 9, 2021 · Amount on Record
Deed Document Number	2021521829
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	841 SPRUCE ST, HAMMOND, IN 46324-1628
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	841 SPRUCE ST, HAMMOND, IN 46324-1628

Mortgage

Document Number	0000009754
Date	Mar 12, 2026
Instrument	2026-509754

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Aug 9, 2021
Property Address	841 SPRUCE ST, HAMMOND, IN 46324-1628
Document Number	0000021829
Map Reference	MB 29 PG 39
Instrument Date	Aug 5, 2021
Instrument	2021-521829
Transaction Type	Transfer
Record Updated	Feb 9, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	841 SPRUCE ST, HAMMOND, IN 46324-1628

Mortgage

Document Number	0000021830
Date	Aug 9, 2021
Instrument	2021-521830

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

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		$151,300 (+20.56%) Land $25,600 Building $125,700	$151,300 (+20.56%) Land $25,600 Building $125,700
2024	$1,711.00 (+15.37%)
2023		$125,500 (+6.27%) Land $27,100 Building $98,400	$125,500 (+6.27%) Land $27,100 Building $98,400
2022	$1,483.00 Homeowner's exemption	$118,100 Land $27,100 Building $91,000	$118,100 Land $27,100 Building $91,000

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

Flood

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

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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