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Single Family ResidenceResidential
$127,490$80 / 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 85How 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

650 CLAY ST

GARY, IN 46403
4
Beds
2
Baths
1,588 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.
1969
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
5
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

$127K
$109K low$146K 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.$127,490
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$101,992

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$935 (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.$92,300 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$10,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$81,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$85,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$92,300

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.11 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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
Lot (acres)The size of the land the home sits on, from county records.0.15
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
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
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
Banneker at Marquette Elementary SchoolC+
Elementary · Grades KG–5 · 1.3 mi
M
Gary Middle School for the Visual and Preforming ArtsD+
Middle · Grades 6–8 · 1.9 mi
H
West Side Leadership AcademyF
High · Grades 9–12 · 6.7 mi

District: Gary Community School Corporation

Neighborhood · ZIP 46403These 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.157
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.104
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.31

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.83%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
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.11,913
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,008 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$50,652
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$67,512
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

650 Clay 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 Lake County
  • Costs less per square foot than 84% of homes in Lake County
  • Newer than 91% of homes in Gary 46403

What homes are worth in Gary 46403

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

This home
$37K$755K

This home is worth more than 42% of homes in Gary 46403.

How it measures up in Gary 46403

The dot is this home. The mark in the middle is the typical home in Gary 46403.

Estimated value$127,490
CheaperTypical $158,957Pricier

Pricier than 42% of homes nearby

Price per ft²$80
CheaperTypical $110Pricier

Pricier than 32% of homes nearby

Living area1,588 ft²
SmallerTypical 1,376 ft²Bigger

Bigger than 60% of homes nearby

Lot size0.16 ac
SmallerTypical 0.16 acBigger

Bigger than 46% of homes nearby

Year built1969
OlderTypical 1955Newer

Newer than 91% of homes nearby

How 650 Clay St ranks against every home in each area.
MeasureThis homeGary 46403Lake County
Estimated valuepricier than$127,49042% of homes19% of homes
Price per ft²pricier than$8032% of homes16% of homes
Living areabigger than1,588 ft²60% of homes44% of homes
Lot sizebigger than0.16 ac46% of homes38% of homes
Year builtnewer than196991% of homes57% of homes

About 650 Clay St

How much is 650 Clay St, Gary, IN worth?

The TopHap Estimate for 650 Clay St, Gary, IN is $127,490 as of Jul 14, 2026. The likely range is $108,865 to $146,115. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 650 Clay St, Gary, IN last sell?

650 Clay St, Gary, IN last sold on Dec 7, 2015, according to the county's recorded deed.

How big is 650 Clay St, Gary, IN?

650 Clay St, Gary, IN has 4 bedrooms, 2 bathrooms, 1,588 square feet of living space and a 0.15-acre lot.

When was 650 Clay St, Gary, IN built?

650 Clay St, Gary, IN was built in 1969, making it 57 years old. The building has 2 stories.

What schools serve 650 Clay St, Gary, IN?

650 Clay St, Gary, IN is assigned to Banneker at Marquette Elementary School (elementary), rated C+; Gary Middle School for the Visual and Preforming Arts (middle), 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 650 Clay St, Gary, IN compare to other homes in Gary 46403?

Among the 4,500 homes in Gary 46403, it is worth more than 42% of them ($127,490 against a typical $158,957), its price per square foot is higher than 32% of them ($80 against a typical $110), it is bigger than 60% of them (1,588 ft² against a typical 1,376 ft²), its lot is bigger than 46% of them (0.16 ac against a typical 0.16 ac) and it is newer than 91% of them (1969 against a typical 1955). Measured against all of Lake County, it is worth more than 19% 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 650 Clay St, Gary, IN?

The 2024 property tax bill for 650 Clay St, Gary, IN was $935. The county assessed it at $92,300.

Closest homes

More homes in Gary 46403

Assigned schools

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