9045 Winding Trl, Saint John, IN 46373 Property Records

Lake County property record for 9045 Winding Trl, Saint John, IN 46373

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 6,507 sqft · built 2019
Lot Size	0.382 acres (16,640 sqft)
Owner	2 Individual Names on File
Last Sale	$840,320 (Jul 2026)
Tax Bill	$10,588 (2024)
Deeds & Mortgages	Aug 2026 Mortgage Jul 2026 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`009-22-12-0275-0076`

Property Details

APN / Parcel Number

Primary APN	`009-22-12-0275-0076`
Alternative APNs	`45-11-28-327-016.000-035` `221202750076`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Stories	2 Stories
Building Area	6,507 sqft Living Area
Gross Area	8,350 sqft
Basement Area	2,774 sqft
Finished Basement	1,873 sqft
Unfinished Basement	901 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Construction Type	Concrete Block
Lot Area	16,640 sqft (0.382 acres)
Lot Dimensions	185 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	942 sqft
Parking Spaces	3 Parking Spaces
Pool Area	720 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	9045 WINDING TRL
City	SAINT JOHN
State	IN
Zip	46373-8787
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R33
Legal Description	LAKE HILLS RESUBDIVISION UNIT 3 LOT 104
Legal Subdivision	LAKE HILLS RESUBDIVISION UNIT 3
Legal Lot Number	104
Jurisdiction	LAKE IN
Township / Civil Division	ST. JOHN
Census Block Group	2
Census Block	2004
Census Tract	42610

Owner

9045 Winding Trl is owned and occupied by two individuals who bought it in July 2026.

Source: Lake County records, as of July 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	9045 WINDING TRL, SAINT JOHN, IN 46373-8787
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN COMMUNITY BANK
Jul 10, 2026	Deed, Transfer · Conventional Mortgage AMERICAN COMMUNITY BANK
Mar 20, 2023	Intrafamily Transfer, Transfer
Mar 29, 2023	Re-recorded Document
Sep 25, 2018	Deed of Trust, Mortgage · Loan Assumption CENTIER BANK
Aug 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage CENTIER BANK
Jul 28, 2020	Deed of Trust, Mortgage · Line of Credit AMERICAN COMMUNITY BANK OF INDIANA
Jun 18, 2019	Loan Modification, Mortgage CENTIER BK
Aug 2, 2018	Warranty Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2026 · Amount on File
Deed Sale	Jul 10, 2026 · Amount on File
Prior Sale	Aug 2, 2018
Deed Document Number	2026529022
Prior Transfer Date	Mar 22, 2023
Prior Transfer Doc	0000009064
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Recording Date	Aug 20, 2026
Property Address	9045 WINDING TRL, SAINT JOHN, IN 46373-8787
Document Number	0000019208
Instrument Date	Jul 8, 2026
Instrument	202619208
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9045 WINDING TRL, SAINT JOHN, IN 46373-8787

Mortgage

Document Number	0000019208,
Date	Aug 20, 2026
Instrument	202619208

Lender

Name	AMERICAN COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Aug 1, 2031

Interest

Max Rate	-1%

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE IN
Recording Date	Jul 10, 2026
Property Address	9045 WINDING TRL, SAINT JOHN, IN 46373-8787
Document Number	0000529022
Instrument Date	Jul 3, 2026
Instrument	2026529022
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9045 WINDING TRL, SAINT JOHN, IN 46373-8787

Mortgage

Document Number	0000529023,
Date	Jul 10, 2026
Instrument	2026529023

Lender

Name	AMERICAN COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE IN
Recording Date	Mar 20, 2023
Property Address	9045 WINDING TRL, SAINT JOHN, IN 46373-8787
Document Number	0000007956
Map Reference	MB 98 PG 19
Instrument Date	Mar 16, 2023
Instrument	2023-507956
Transaction Type	Transfer
Record Updated	Oct 2, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	9045 WINDING TRL, SAINT JOHN, IN 46373-8787

March 2023: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	LAKE IN
Recording Date	Mar 29, 2023
Property Address	9045 WINDING TRL, SAINT JOHN, IN 46373-8787
Document Number	0000009064
Map Reference	MB 98 PG 19
Instrument Date	Mar 16, 2023
Instrument	2023-509064
Record Updated	Oct 4, 2023

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	9045 WINDING TRL, SAINT JOHN, IN 46373-8787

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	9045 WINDING TRL, SAINT JOHN, IN 46373-8787
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE COMP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000065929
Date	Sep 25, 2018
Instrument	2018 065929

Lender

Name	CENTIER BANK
Type	Bank
Address	MERRILLVILLE, IN 46410

Agreement

Type	Loan Assumption
Amount	Amount on Record
Term	373 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Oct 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.7%
Index	1-Year LIBOR
Max Rate	10.7%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	9045 WINDING TRL, SAINT JOHN, IN 46373-8787
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049698
Date	Aug 7, 2019
Instrument	2019 049698

Lender

Name	CENTIER BANK
Type	Bank
Address	MERRILLVILLE, IN 46410

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2034

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	9045 WINDING TRL, SAINT JOHN, IN 46373-8787
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047654
Date	Jul 28, 2020
Instrument	2020 047654

Lender

Name	AMERICAN COMMUNITY BANK OF INDIANA
Type	Bank
Address	SAINT JOHN, IN 46373

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAKE IN
Property Address	9045 WINDING TRL, SAINT JOHN, IN 46373-8787
Document Number	0000036871
Instrument Date	Jun 18, 2019
Transaction Type	Mortgage
Record Updated	Jul 1, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9045 WINDING TRL ST JOHN IN 46373, ST JOHN, IN 46373

Mortgage

Document Number	0000036871
Date	Jun 19, 2019
Instrument	36871

Lender

Name	CENTIER BK
Type	Bank
Address	MERRILLVILLE, IN 46410

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 18, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.75%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IN
Recording Date	Aug 2, 2018
Property Address	9045 WINDING TRL, SAINT JOHN, IN 46373-8787
Document Number	0000048925
Instrument Date	Jul 25, 2018
Instrument	48925
Transaction Type	Transfer
Record Updated	Aug 16, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	165 BUTTERCUP LN DYER IN 463112793, DYER, IN 46311-2793

Tax Assessment & Valuation

Source: Lake County assessment roll, as of December 29, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,083,600 (+6.88%) Land $143,500 Building $940,100	$1,083,600 (+6.88%) Land $143,500 Building $940,100
2024	$10,588.00	$1,013,800 (+2.48%) Land $143,500 Building $870,300	$1,013,800 (+2.48%) Land $143,500 Building $870,300
2023		$989,300 (+2.87%) Land $143,500 Building $845,800	$989,300 (+2.87%) Land $143,500 Building $845,800
2022	$11,631.00 (-8.12%)	$961,700 Land $143,500 Building $818,200	$961,700 Land $143,500 Building $818,200
2021	$12,659.00

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

Flood

FEMA maps place 9045 Winding Trl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 16, 2024

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 9045 Winding Trl is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · above 99.2% of Indiana
Wildfire Likelihood	0.03% 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 112 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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