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Single Family ResidenceResidential
$149,431$160 / 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 87How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026

445 SPRUCE ST

HAMMOND, IN 46324
2
Beds
2
Baths
936 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.
0.1 ac
Lot SizeThe size of the land the home sits on, from county records.
1946
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$149K
$130K low$169K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,592 (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.$146,100 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$22,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$124,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$125,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$146,100

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.9 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.0.10
ConstructionThe main material the home's frame and walls are built from.Brick
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

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

E
Thomas A. Edison Elementary SchoolD-
Elementary · Grades PK–6 · 0.5 mi
H
Hammond Central High School
High · Grades 9–12 · 1.1 mi
M
Henry W. Eggers Middle SchoolD-
Middle · Grades 7–8 · 1.2 mi

District: Hammond School City

Neighborhood · ZIP 46324These 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.95
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.105
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.41

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.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.6%
PopulationHow many people live in this area.22,887
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.5,203 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$60,050
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$74,705
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

445 Spruce 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 less than 81% of homes in Hammond 46324
  • Smaller than 90% of homes in Lake County
  • Has a smaller lot than 92% of homes in Hammond 46324
  • Older than 76% of homes in Lake County

What homes are worth in Hammond 46324

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

This home
$97K$300K

This home is worth more than 19% of homes in Hammond 46324.

How it measures up in Hammond 46324

The dot is this home. The mark in the middle is the typical home in Hammond 46324.

Estimated value$149,431
CheaperTypical $182,350Pricier

Pricier than 19% of homes nearby

Price per ft²$160
CheaperTypical $145Pricier

Pricier than 59% of homes nearby

Living area936 ft²
SmallerTypical 1,288 ft²Bigger

Bigger than 23% of homes nearby

Lot size0.1 ac
SmallerTypical 0.14 acBigger

Bigger than 8% of homes nearby

Year built1946
OlderTypical 1947Newer

Newer than 48% of homes nearby

How 445 Spruce St ranks against every home in each area.
MeasureThis homeHammond 46324Lake County
Estimated valuepricier than$149,43119% of homes23% of homes
Price per ft²pricier than$16059% of homes53% of homes
Living areabigger than936 ft²23% of homes10% of homes
Lot sizebigger than0.1 ac8% of homes13% of homes
Year builtnewer than194648% of homes24% of homes

About 445 Spruce St

How much is 445 Spruce St, Hammond, IN worth?

The TopHap Estimate for 445 Spruce St, Hammond, IN is $149,431 as of Oct 21, 2026. The likely range is $130,105 to $168,757. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 445 Spruce St, Hammond, IN last sell?

445 Spruce St, Hammond, IN last sold on Sep 24, 1998, according to the county's recorded deed.

How big is 445 Spruce St, Hammond, IN?

445 Spruce St, Hammond, IN has 2 bedrooms, 2 bathrooms, 936 square feet of living space and a 0.10-acre lot.

When was 445 Spruce St, Hammond, IN built?

445 Spruce St, Hammond, IN was built in 1946, making it 80 years old. The building has 1 story.

What schools serve 445 Spruce St, Hammond, IN?

445 Spruce St, Hammond, IN is assigned to Thomas A. Edison Elementary School (elementary), rated D-; Hammond Central High School (high); Henry W. Eggers Middle School (middle), rated D-. All sit in Hammond School City. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 445 Spruce St, Hammond, IN compare to other homes in Hammond 46324?

Among the 7,704 homes in Hammond 46324, it is worth more than 19% of them ($149,431 against a typical $182,350), its price per square foot is higher than 59% of them ($160 against a typical $145), it is bigger than 23% of them (936 ft² against a typical 1,288 ft²), its lot is bigger than 8% of them (0.1 ac against a typical 0.14 ac) and it is newer than 48% of them (1946 against a typical 1947). Measured against all of Lake County, it is worth more than 23% 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 445 Spruce St, Hammond, IN?

The 2024 property tax bill for 445 Spruce St, Hammond, IN was $1,592. The county assessed it at $146,100.

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