8820 W 103rd St, Saint John, IN 46373 Property Records

Lake County property record for 8820 W 103rd St, Saint John, IN 46373

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,968 sqft · built 2019
Lot Size	0.199 acres (8,680 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,472 (2024)
Deeds & Mortgages	Jan 2021 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`005-40-52-0123-0030`

Property Details

APN / Parcel Number

Primary APN	`005-40-52-0123-0030`
Alternative APN	`45-15-03-176-006.000-015`

Interior

Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,968 sqft Living Area
Basement Area	1,968 sqft

Exterior

Year Built	Built 2019
Construction Type	Brick
Roof Material	Other
Lot Area	8,680 sqft (0.199 acres)
Lot Dimensions	140 ft deep x 62 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	005-40-52-0123-0030
Street Address	8820 W 103RD ST
City	SAINT JOHN
State	IN
Zip	46373-8788
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	THE GATES OF ST. JOHN UNIT 5 TRACT 329 LOT I EX. NW'LY 134FT.
Legal Subdivision	GATES OF ST. JOHN
Legal Tract	329
Legal Lot Number	I
Jurisdiction	LAKE IN
Township / Civil Division	HANOVER
Census Block Group	1
Census Block	1009
Census Tract	42904

Owner

8820 W 103rd St is owned and occupied by two individuals who acquired it in February 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	8820 W 103RD ST, SAINT JOHN, IN 46373-8788
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
Jan 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Jul 3, 2019	Grant Deed, Subdivision Related Transfer EAGLE HM MTG
Feb 25, 2019	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2019
Deed Sale	Feb 25, 2019
Prior Sale	May 11, 2018
Deed Document Number	2019 011827
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	8820 W 103RD ST, SAINT JOHN, IN 46373-8788
Transaction Type	Mortgage
Record Updated	Aug 8, 2022
Title Company	MERIDIAN TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001618
Date	Jan 8, 2021
Instrument	2021-001618

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

July 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	LAKE IN
Recording Date	Jul 3, 2019
Property Address	8820 W 103RD ST, SAINT JOHN, IN 46373-8788
Document Number	0000040496
Instrument Date	Jul 2, 2019
Instrument	40496
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 16, 2019
Title Company	INDIANA TITLE NETWORK COMPANY, INDIANA TITLE NETWORK CO

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	21200 BRITTANY DR FRANKFORT IL 604238882, FRANKFORT, IL 60423-8882
Investor	Possibly a Property Investor

Mortgage

Document Number	40497
Date	Jul 3, 2019
Instrument	40497

Lender

Name	EAGLE HM MTG
Type	Mortgage Company
Address	MIAMI, FL 33172-3139

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 2, 2049

February 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Feb 25, 2019
Property Address	8820 W 103RD ST, SAINT JOHN, IN 46373-8788
Document Number	0000011827
Map Reference	MB 100 PG 49
Instrument Date	Feb 15, 2019
Instrument	2019 011827
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 8, 2022
Title Company	INDIANA TITLE NETWORK CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1141 E MAIN ST # ST108, 1141, EAST DUNDEE, IL 60118-2440

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9311 NORTHCOTE AVE, SAINT JOHN, IN 46373-9666

Mortgage

Document Number	0000011828
Date	Feb 25, 2019
Instrument	2019 011828

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	Lake County
County Subdivision	Hanover Township
Municipality	St. John Town
Unified School District	Hanover Community School Corporation (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$443,000 Land $65,700 Building $377,300	$443,000 Land $65,700 Building $377,300
2024	$4,472.00
2023		$400,500 (+8.3%) Land $59,500 Building $341,000	$400,500 (+8.3%) Land $59,500 Building $341,000
2022	$4,411.00	$369,800 Land $54,100 Building $315,700	$369,800 Land $54,100 Building $315,700

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

Flood

FEMA maps place 8820 W 103rd St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2026 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding

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

Wildfire risk around 8820 W 103rd St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 85% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	ST. JOHN MUNICIPAL WATER UTILITY serves 25,700 people · EPA ID IN5245043
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 186 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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