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Single Family ResidenceResidential
$326,168$217 / 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 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

523 RIVER DR

MUNSTER, IN 46321
2
Beds
2 / 1
Baths
1,506 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.
0.3 ac
Lot SizeThe size of the land the home sits on, from county records.
1960
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.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$326K
$311K low$341K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$134,409
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$107,527
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.64%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$191,759
JPMORGAN CHASE BANK NA · recorded Jan 28, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,159 (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.$290,800 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$83,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$207,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$276,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$290,800

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.26 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.1 percent flood zone

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.1995
Lot (acres)The size of the land the home sits on, from county records.0.30
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
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached

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

E
James B Eads Elementary SchoolA-
Elementary · Grades KG–5 · 0.2 mi
M
Wilbur Wright Middle SchoolA+
Middle · Grades 6–8 · 1.2 mi
H
Munster High SchoolA+
High · Grades 9–12 · 1.3 mi

District: Munster School Town

Neighborhood · ZIP 46321These 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.48
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.110
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.40

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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.33%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.1%
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.23,950
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3,148 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$101,591
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$137,698
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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

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

523 River Dr 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 69% of homes in Lake County
  • Costs more per square foot than 85% of homes in Lake County
  • Smaller than 78% of homes in Munster 46321
  • Has a bigger lot than 76% of homes in Lake County
  • Older than 70% of homes in Munster 46321

What homes are worth in Munster 46321

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

This home
$166K$928K

This home is worth more than 35% of homes in Munster 46321.

How it measures up in Munster 46321

The dot is this home. The mark in the middle is the typical home in Munster 46321.

Estimated value$326,168
CheaperTypical $365,862Pricier

Pricier than 35% of homes nearby

Price per ft²$217
CheaperTypical $194Pricier

Pricier than 68% of homes nearby

Living area1,506 ft²
SmallerTypical 2,166 ft²Bigger

Bigger than 22% of homes nearby

Lot size0.3 ac
SmallerTypical 0.24 acBigger

Bigger than 75% of homes nearby

Year built1960
OlderTypical 1971Newer

Newer than 30% of homes nearby

How 523 River Dr ranks against every home in each area.
MeasureThis homeMunster 46321Lake County
Estimated valuepricier than$326,16835% of homes69% of homes
Price per ft²pricier than$21768% of homes85% of homes
Living areabigger than1,506 ft²22% of homes40% of homes
Lot sizebigger than0.3 ac75% of homes76% of homes
Year builtnewer than196030% of homes48% of homes

About 523 River Dr

How much is 523 River Dr, Munster, IN worth?

The TopHap Estimate for 523 River Dr, Munster, IN is $326,168 as of Jul 14, 2026. The likely range is $310,942 to $341,394. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 523 River Dr, Munster, IN last sell?

523 River Dr, Munster, IN last sold on Sep 26, 2005, according to the county's recorded deed.

How big is 523 River Dr, Munster, IN?

523 River Dr, Munster, IN has 2 bedrooms, 2 bathrooms, 1,506 square feet of living space and a 0.30-acre lot.

When was 523 River Dr, Munster, IN built?

523 River Dr, Munster, IN was built in 1960, making it 66 years old. The building has 2 stories.

What schools serve 523 River Dr, Munster, IN?

523 River Dr, Munster, IN is assigned to James B Eads Elementary School (elementary), rated A-; Wilbur Wright Middle School (middle), rated A+; Munster High School (high), rated A+. All sit in Munster School Town. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 523 River Dr, Munster, IN compare to other homes in Munster 46321?

Among the 9,089 homes in Munster 46321, it is worth more than 35% of them ($326,168 against a typical $365,862), its price per square foot is higher than 68% of them ($217 against a typical $194), it is bigger than 22% of them (1,506 ft² against a typical 2,166 ft²), its lot is bigger than 75% of them (0.3 ac against a typical 0.24 ac) and it is newer than 30% of them (1960 against a typical 1971). Measured against all of Lake County, it is worth more than 69% 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 523 River Dr, Munster, IN?

The 2024 property tax bill for 523 River Dr, Munster, IN was $3,159. The county assessed it at $290,800.

Closest homes

More homes in Munster 46321

Assigned schools

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