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13424 Osborne Street

13424 Osborne Street, Cedar Lake, IN 46303
Property in Hanover
Sold Aug 02, 2019
$198,900
$159,080 by Ruoff Mortgage Company Inc
Mortgage Due Aug 01, 2049
Sold Sep 02, 2005
$108,800
$107,350 by New Century Mortgage Corp
Mortgage Due Sep 01, 2035
Local assessors in Cedar Lake, IN have categorized 13424 Osborne Street as a residential type of property. The home was built in 1989 and is 35 years old. It was most recently renovated and altered in 1995. The property's lot size has been calculated to be 12,000 square feet. The linear feet between the front and back of the lot was measured at 1,600 ft and the front of the lot was measured at 750 ft. Now, let's dive a bit deeper into the details surrounding the home on the property. There are 3 rooms in the home. Of these, 3 have been legally categorized as bedrooms. For more details, please view your local government regulations on what counts as a legal bedroom. As for the restroom situation, there is one full bathroom. There is also a partial bathroom. This is a single story home so it's perfect for folks who don't want to have to climb stairs on a daily basis. If we look only at the heated or air conditioned part of the building, then 13424 Osborne Street has a total of 1,120 sqft of living area. Note that this number does not include the square footage of the garage, basement, and/or porch into its calculations.

Curious to learn more about the home? Our team of data engineers have sourced the most up-to-date information from the local assessors office to share with you. The home sources its water from none system. For water disposal, homeowners who don't want the additional responsibilities of handling a septic tank will be happy to learn that the home is connected to a municipal sewage system. Though, they may have to pay additional fees to have their wastewater disposed. Additional features on the property are as follows. There is a carport for those who need a place to park their vehicle. The garage on the property is 360 sqft. There are 2 available parking spaces so it's a great situation for those with more than one car. Do you like to entertain? The home has a unknown so you'll have a great option in the back of the home. In addition, there is a above ground pool on the property. Perfect for those who want to host pool parties over the summer. Moving onto specific details regarding the building. Our sources show that the building condition is average. It might sound scary but did you know that buildings can move depending on the weather? Both hot and cold weather can have severe impact on the longevity of your home structure depending on how much your home moves. Hence why architects pay a lot of attention to the type of control joints used in the construction process. Just so you know, this home was built with masonry control joints. Not only do we know the type, but we also know that the assessors have graded the quality of these control joints with a letter grade - C. The building has a roof that is made of asphalt. Residents rely on central air conditioning for their cooling system. The home's a central heating system is the primary heating source and it is being fueled with gas. We've gathered and summarized the following transaction history in an effort to provide more transparency and up-to-date information for our users. According to our sources, 13424 Osborne Street sold most recently in Jul 26, 2019 for a total of $198,900. If you work out the math, that's approximately a cost of $177.59 per sqft. Before that, the property was also sold for $108,800 in Aug 31, 2005. There could be many factors that caused the property to sell at a higher price and increase in value. Tax-wise, the current owner is expected to pay close to $1,902 in taxes each year. 13424 Osborne Street was most recently assessed in 2023. During this assessment, the property's total value was estimated to be about $175,000. If we break it down further, the land itself was valued at $31,700. Improvements to the property, however, were assessed at a total of $143,300. The property's total market value has been marked the same as the total assessed value which is pretty typical. As you can see, there are a lot of things to consider when purchasing a home. For example, have you evaluated your own Debt-To-Income ratio (DTI) and understood how this may impact the number of loan options you have access to? Don't worry, we'll cover the basics such as what a DTI ratio is, how to calculate yours, what most lenders consider to be an ideal ratio, and also provide our tips on how you can improve your score if it is on the higher side.Sadly, this property is not available for sale but we are constantly updating our inventory in real time. Sign up for a RealtyHop account and add this property to your favorites to get updates on when this property is back on the market. Or alternatively, you can check back frequently for updates.

This property description is generated based on publicly available data.

Building Info

Overview

    General

  • Year Built: 1989
  • Effective Year Built: 1995
  • Building Count: 1
  • Total Rooms: 3
  • Bedroom Count: 3
  • Bathroom Count: 1
  • Full Bathrooms: 1
  • Partial Bathrooms: 1
  • Bathroom Plumbing Fixtures: 5
  • Building Condition: Average
  • Building Quality: C
  • Construction Type: Masonry
  • Roof Cover Type: Asphalt
  • Floor Count: 1
  • Basement Type: Building with no basement
  • Basement Area: 0
  • Garage Type: Carport
  • Garage Square Area: 360
  • Parking Space Count: 2
  • Pool Type: Above ground pool

    Dimensions

  • Lot Size Square Feet: 12,000
  • Lot Size Depth Feet: 1,600
  • Lot Size Frontage Feet: 750
  • Total Building Area: 1,120
  • Gross Building Area: 1,120
  • Building Area: 1,120
  • Building Area Measurement: Living Area

    Heating and Cooling

  • Air Conditioning: Central air conditioning
  • Heating: Central heating
  • Heated Square Feet: 1,120
  • Heating Fuel Type: Gas

    Utilities

  • Sewer System: Municipal
  • Water Service: None

Building

  • Property Class: Residential
  • Subdivision: HANOVER PLAT D
  • Land Acres: 0.276
  • Standard Land Use Code: Single family residential
  • County Land Use Code: Vehicles general
  • Legal Description 1: HANOVER PLAT D LOT 16

Ownership

  • Current Owner : GUGLIELMO KAYLIN M
  • Previous Owner : HOOVER RYAN D
  • Owner Before Previous Owner: NEWTON HEATHER K
  • Owner Before Previous Owner 2: CAREY HEATHER K
  • Is Owner Occupied: Owner-occupied property

Neighborhood

  • School District Name: Hanover Community School Corporation
  • Census Tract: 042901

Geography

  • Assessors Map Reference: MP D24-171 6
  • District: 0005
  • Parcel: 45-15-28-104-010.000-014
  • Lot: 16
  • Municipality: HANOVER TOWNSHIP
  • Latitude: 41.3742
  • Longitude: -87.4671

    Address

  • Full Address: 13424 Osborne St
  • Address - House Number: 13424
  • Address - Street Name: Osborne
  • Address - Suffix Type: St
  • State: IN
  • City Name: Cedar Lake
  • Carrier Code: R010
  • 4-Digit Zip Code: 8929
  • Zip Code: 46303

Valuation

    Tax

  • Total Area: 1,120
  • Tax Year: 2022
  • Tax Amount: $1,902
  • Tax Rate Code Area: 5

    Appraisal Valuation

  • Standard Deviation: 0.2438
  • Valuation Date: Dec 06, 2023
  • Confidence Score: 65
  • Final Value: 275,951
  • High Value: 343,240
  • Low Value: 208,661

    Open Liens

  • Total Open Liens: 1
  • Total Open Liens Amount: $159,080
  • First Open Lien Mortgage Lender: RUOFF MORTGAGE COMPANY INC
  • First Open Lien Mortgage Recording Date: Aug 02, 2019
  • First Open Lien Mortgage Loan Amount: $159,080
  • First Open Lien Mortgage Term: 360
  • First Open Lien Mortgage Position: 1
  • First Open Lien Mortgage Loan Type: New Conventional
  • First Open Lien Mortgage Loan Due Date: Aug 01, 2049

    Market Valuation

  • Market Total Value: $175,000
  • Market Land Value: $31,700
  • Market Improvement Value: $143,300

    Assessments Valuation

  • Assessed Year: 2023
  • Assessed Total Value: $175,000
  • Assessed Land Value: $31,700
  • Assessed Improvements Value: $143,300

    Exemptions

  • Homeowner Exemption: Yes

    Sales

  • Current Sale Contract Date: Jul 26, 2019
  • Current Sale Recording Date: Aug 02, 2019
  • Current Sale Transaction ID: 11634318693
  • Current Sale Price: $198,900
  • Current Sale Document Type: Warranty Deed
  • Current Sale Input Document Number: 2019 048928
  • Previous Sale Recording Date: Sep 02, 2005
  • Previous Sale Contract Date: Aug 31, 2005
  • Previous Sale Amount: $108,800
  • Previous Sale Document Type: Warranty Deed

    Last Sale Mortgage

  • First Mortgage Lender: RUOFF MORTGAGE COMPANY INC
  • First Mortgage Transaction Date: Aug 02, 2019
  • First Mortgage Loan Amount: $159,080
  • First Mortgage Terms: 360
  • First Mortgage Loan Type: New Conventional
  • First Mortgage Loan Due Date: Aug 01, 2049

    Previous Mortgages

  • Previous Mortgage Lender: NEW CENTURY MORTGAGE CORP
  • Previous Mortgage Transaction Date: Sep 02, 2005
  • Previous Mortgage Financing Type: Adjustable Rate
  • Previous Mortgage Loan Amount: $107,350
  • Previous Mortgage Term: 360
  • Previous Mortgage Loan Type: Fannie Mae/Freddie Mac (Phased out because Fannie Mae does not originate loans directly to borrowers or investors. Most "new conventional" loans meet their general underwriting guidelines.)
  • Previous Mortgage Loan Due Date: Sep 01, 2035

About Cedar Lake



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Frequently Asked Questions

What neighborhood is 13424 Osborne Street located in?
The 13424 Osborne Street is a located in the neighborhood of Hanover in Cedar Lake, Cedar Lake.
What is the average sales price for listings in 13424 Osborne Street?
The average sales price for units in 13424 Osborne Street is $0 currently.

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