Lake County property record for 8440 White Oak Ave, Munster, IN 46321
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 4,036 sqft · built 1939 |
| Lot Size | 0.176 acres (7,680 sqft) |
| Owner | Individual Name on File |
| Last Sale | $208,810 (May 2026) |
| Tax Bill | $3,999 (2024) |
| Deeds & Mortgages | May 2026 Sale & Mortgage May 2026 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 007-18-28-0091-0024 |
| Primary APN | 007-18-28-0091-0024 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 4,036 sqft Living Area |
| Gross Area | 4,396 sqft |
| 1st Floor Area | 1,688 sqft |
| Basement Area | 1,020 sqft |
| Finished Basement | 660 sqft |
| Unfinished Basement | 360 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 2010 |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 7,680 sqft (0.176 acres) |
| Lot Dimensions | 128 ft deep x 60 ft wide |
| View / Lot | Alley |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 8440 WHITE OAK AVE |
|---|---|
| City | MUNSTER |
| State | IN |
| Zip | 46321-1923 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIDGEWAY ADD. N.15 FT. L22 L.23 & S20 FT L24 |
| Legal Subdivision | RIDGEWAY ADD |
| Legal Lot Number | 22,24 |
| Jurisdiction | LAKE IN |
| Township / Civil Division | NORTH |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 40401 |
8440 White Oak Ave is owned and occupied by an individual who bought it in May 2026.
Source: Lake County records, as of May 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 8440 WHITE OAK AVE, MUNSTER, IN 46321-1923 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Woman, Separate Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 14, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING |
| May 14, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING |
| May 10, 2023 | Warranty Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP |
| Jul 6, 2020 | Warranty Deed, Transfer · Conventional Mortgage ALLY BANK |
| Aug 18, 2017 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN COMMUNITY BANK OF INDIANA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 14, 2026 · Amount on File |
| Deed Sale | May 14, 2026 · Amount on File |
| Prior Sale | May 10, 2023 · Amount on File |
| Deed Document Number | 2026519636 |
| Prior Transfer Date | Apr 28, 2026 |
| Prior Transfer Doc | 0000019636 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE IN |
| Recording Date | May 14, 2026 |
| Property Address | 8440 WHITE OAK AVE, MUNSTER, IN 46321-1923 |
| Document Number | 0000519636 |
| Instrument Date | Apr 28, 2026 |
| Instrument | 2026.519636 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8440 WHITE OAK AVE, MUNSTER, IN 46321-1923 |
| Document Number | 0000519637, |
|---|---|
| Date | May 14, 2026 |
| Instrument | 2026..519637 |
| Name | NEW AMERICAN FUNDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE IN |
| Recording Date | May 14, 2026 |
| Property Address | 8440 WHITE OAK AVE, MUNSTER, IN 46321-1923 |
| Document Number | 0000019636 |
| Instrument Date | Apr 28, 2026 |
| Instrument | 2026519636 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8440 WHITE OAK AVE, MUNSTER, IN 46321-1923 |
| Document Number | 0000519637, |
|---|---|
| Date | May 14, 2026 |
| Instrument | 2026519637 |
| Name | NEW AMERICAN FUNDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IN |
| Recording Date | May 10, 2023 |
| Property Address | 8440 WHITE OAK AVE, MUNSTER, IN 46321-1923 |
| Document Number | 0000014042 |
| Map Reference | MB 20 PG 56 |
| Instrument Date | May 8, 2023 |
| Instrument | 2023-514042 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2023 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8440 WHITE OAK AVE, MUNSTER, IN 46321-1923 |
| Document Number | 0000014043 |
|---|---|
| Date | May 10, 2023 |
| Instrument | 2023-514043 |
| Name | DRAPER & KRAMER MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IN |
| Recording Date | Jul 6, 2020 |
| Property Address | 8440 WHITE OAK AVE, MUNSTER, IN 46321-1923 |
| Document Number | 0000042087 |
| Map Reference | MB 20 PG 55 |
| Instrument Date | Jun 30, 2020 |
| Instrument | 2020 042087 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | CHICAGO TITLE INS CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8440 WHITE OAK AVE, MUNSTER, IN 46321-1923 |
| Document Number | 0000042088 |
|---|---|
| Date | Jul 6, 2020 |
| Instrument | 2020 042088 |
| Name | ALLY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IN |
| Recording Date | Aug 18, 2017 |
| Property Address | 8440 WHITE OAK AVE, MUNSTER, IN 46321-1923 |
| Document Number | 0000055442 |
| Map Reference | MB20 PG55 |
| Instrument Date | Aug 15, 2011 |
| Instrument | 2017 055442 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | CHICAGO TITLE INS CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 8440 WHITE OAK AVE, MUNSTER, IN 46321-1923 |
| Document Number | 0000055443 |
|---|---|
| Date | Aug 18, 2017 |
| Instrument | 2017 055443 |
| Name | AMERICAN COMMUNITY BANK OF INDIANA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2047 |
Source: Lake County assessment roll, as of December 29, 2025
| Type | Name |
|---|---|
| State | Indiana |
| County | Lake County |
| County Subdivision | North Township |
| Municipality | Munster Town |
| Unified School District | Munster School Town (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $347,400 Land $42,200 Building $305,200 | $347,400 Land $42,200 Building $305,200 | |
| 2024 | $3,999.00 | ||
| 2023 | $304,500 (+5.33%) Land $45,700 Building $258,800 | $304,500 (+5.33%) Land $45,700 Building $258,800 | |
| 2022 | $3,826.00 (-18.21%) Homeowner's exemption | $289,100 Land $45,700 Building $243,400 | $289,100 Land $45,700 Building $243,400 |
| 2021 | $4,678.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8440 White Oak Ave in Zone X, an area of minimal flood risk, though there have been 157 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 18 policies |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 157 (1982–2011) |
| Claims Outside the SFHA | 7 of 157 |
| Most Recent Claim | Feb 2011 · rainfall accumulation |
| Claims by Event |
|
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.
The area around 8440 White Oak 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 439 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · 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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