918 Merrill St, Hammond, IN 46320 Property Records

Lake County property record for 918 Merrill St, Hammond, IN 46320

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,724 sqft · built 1929
Lot Size	0.117 acres (5,080 sqft)
Owner	Individual Name on File
Last Sale	$165,500 (Jul 2024)
Tax Bill	$2,075 (2024)
Deeds & Mortgages	Jul 2024 Second Mortgage Jul 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`007-26-32-0092-0005`

Property Details

APN / Parcel Number

Primary APN	`007-26-32-0092-0005`
Alternative APNs	`45-07-06-305-005.000-023` `263200920005`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,724 sqft Living Area
Gross Area	2,586 sqft
1st Floor Area	862 sqft
Basement Area	862 sqft

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1995
Construction Type	Frame
Roof Material	Asphalt
Lot Area	5,080 sqft (0.117 acres)
Lot Dimensions	127 ft deep x 40 ft wide
View / Lot	Alley
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	918 MERRILL ST
City	HAMMOND
State	IN
Zip	46320-2541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BUNNELLS 1ST ADD. L.5 BL.2
Legal Subdivision	BUNNELLS 1ST ADD
Legal Block	2
Legal Lot Number	5
Jurisdiction	LAKE IN
Township / Civil Division	NORTH
Census Block Group	2
Census Block	2019
Census Tract	20800

Owner

918 Merrill St is owned and occupied by an individual who bought it in July 2024.

Source: Lake County records, as of December 29, 2025

Owner of Record	Individual Name on File
Mailing Address	918 MERRILL ST, HAMMOND, IN 46320-2541
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
Jul 11, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage RUOFF MORTGAGE COMPANY INC
Jul 11, 2024	Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Oct 21, 2021	Re-recorded Document

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2024 · Amount on File
Deed Sale	Jul 11, 2024 · Amount on File
Prior Sale	Nov 28, 2011
Deed Document Number	2024522685
Transfer Doc	0000062528
Record Updated	Sep 20, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	918 MERRILL ST, HAMMOND, IN 46320-2541
Transaction Type	Mortgage
Record Updated	Mar 19, 2026
Title Company	CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022687
Date	Jul 11, 2024
Instrument	2024-522687

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

July 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE IN
Recording Date	Jul 11, 2024
Property Address	918 MERRILL ST, HAMMOND, IN 46320-2541
Document Number	0000022685
Map Reference	MB 13 PG 23
Instrument Date	Jul 10, 2024
Instrument	2024-522685
Transaction Type	Transfer
Record Updated	Apr 25, 2025
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	918 MERRILL ST, HAMMOND, IN 46320-2541

Mortgage

Document Number	0000022686
Date	Jul 11, 2024
Instrument	2024-522686

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2054

Mortgage

Document Number	0000022687
Date	Jul 11, 2024
Instrument	2024-522687

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

October 2021: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	LAKE IN
Recording Date	Oct 21, 2021
Property Address	918 MERRILL ST, HAMMOND, IN 46320-2541
Document Number	0000064245
Instrument Date	Mar 30, 2021
Instrument	2021-064245
Record Updated	Apr 23, 2026

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9800 CONNECTICUT DR # B2-900, B2-900, CROWN POINT, IN 46307-7840
Investor	Possibly a Property Investor

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		$106,500 Land $21,100 Building $85,400	$106,500 Land $21,100 Building $85,400
2024	$2,075.00
2023		$70,000 (+4.95%) Land $23,900 Building $46,100	$70,000 (+4.95%) Land $23,900 Building $46,100
2022	$1,787.00	$66,700 Land $23,900 Building $42,800	$66,700 Land $23,900 Building $42,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 918 Merrill St in Zone X, an area of minimal flood risk.

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

The area around 918 Merrill St 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.

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 491 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
Starlink Satellite	280 / 30
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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