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Single Family ResidenceResidential
$174,004$105 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

3954 VERMONT ST

GARY, IN 46409
3
Beds
2 / 1
Baths
1,656 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.16 ac
Lot SizeThe size of the land the home sits on, from county records.
1961
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$174K
$159K low$189K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$426 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$93,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$3,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$89,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$86,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$93,000

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.18 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyLake
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1975
Lot (acres)The size of the land the home sits on, from county records.0.16
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Shed · 96 ft²Patio · 196 ft²

Transaction History(12)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Bailly STEM AcademyC-
Middle · Grades 6–8 · 0.8 mi
E
Glen Park AcademyD+
Elementary · Grades KG–5 · 1.6 mi
H
West Side Leadership AcademyF
High · Grades 9–12 · 5.4 mi

District: Gary Community School Corporation

Neighborhood · ZIP 46409These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.166
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.107
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.36

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.71%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.7.7%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.26%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.7,164
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,105 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$40,491
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$51,585
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.38 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3954 Vermont St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 96% of homes in Gary 46409
  • Costs more per square foot than 83% of homes in Gary 46409
  • Bigger than 69% of homes in Gary 46409
  • Has a bigger lot than 71% of homes in Gary 46409
  • Newer than 92% of homes in Gary 46409

What homes are worth in Gary 46409

Each bar is how many homes fall in that price range. The marker is this home.

This home
$21K$186K

This home is worth more than 96% of homes in Gary 46409.

How it measures up in Gary 46409

The dot is this home. The mark in the middle is the typical home in Gary 46409.

Estimated value$174,004
CheaperTypical $83,491Pricier

Pricier than 96% of homes nearby

Price per ft²$105
CheaperTypical $64Pricier

Pricier than 83% of homes nearby

Living area1,656 ft²
SmallerTypical 1,230 ft²Bigger

Bigger than 69% of homes nearby

Lot size0.16 ac
SmallerTypical 0.14 acBigger

Bigger than 71% of homes nearby

Year built1961
OlderTypical 1950Newer

Newer than 92% of homes nearby

How 3954 Vermont St ranks against every home in each area.
MeasureThis homeGary 46409Lake County
Estimated valuepricier than$174,00496% of homes29% of homes
Price per ft²pricier than$10583% of homes25% of homes
Living areabigger than1,656 ft²69% of homes46% of homes
Lot sizebigger than0.16 ac71% of homes37% of homes
Year builtnewer than196192% of homes49% of homes

About 3954 Vermont St

How much is 3954 Vermont St, Gary, IN worth?

The TopHap Estimate for 3954 Vermont St, Gary, IN is $174,004 as of Sep 24, 2026. The likely range is $159,256 to $188,752. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3954 Vermont St, Gary, IN last sell?

3954 Vermont St, Gary, IN last sold on Sep 28, 2020, according to the county's recorded deed.

How big is 3954 Vermont St, Gary, IN?

3954 Vermont St, Gary, IN has 3 bedrooms, 2 bathrooms, 1,656 square feet of living space and a 0.16-acre lot.

When was 3954 Vermont St, Gary, IN built?

3954 Vermont St, Gary, IN was built in 1961, making it 65 years old. The building has 2 stories.

What schools serve 3954 Vermont St, Gary, IN?

3954 Vermont St, Gary, IN is assigned to Bailly STEM Academy (middle), rated C-; Glen Park Academy (elementary), rated D+; West Side Leadership Academy (high), rated F. All sit in Gary Community School Corporation. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3954 Vermont St, Gary, IN compare to other homes in Gary 46409?

Among the 3,913 homes in Gary 46409, it is worth more than 96% of them ($174,004 against a typical $83,491), its price per square foot is higher than 83% of them ($105 against a typical $64), it is bigger than 69% of them (1,656 ft² against a typical 1,230 ft²), its lot is bigger than 71% of them (0.16 ac against a typical 0.14 ac) and it is newer than 92% of them (1961 against a typical 1950). Measured against all of Lake County, it is worth more than 29% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3954 Vermont St, Gary, IN?

The 2024 property tax bill for 3954 Vermont St, Gary, IN was $426. The county assessed it at $93,000.

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