1346 State Rd 427, Waterloo, IN 46793 Property Records

DeKalb County property record for 1346 State Rd 427, Waterloo, IN 46793

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 1,776 sqft · built 1980
Lot Size	1.93 acres (84,071 sqft)
Owner	Individual Name on File
Last Sale	$252,000 (Sep 2023)
Tax Bill	$957 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Sep 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-03-17-300-002.000-005`

Property Details

APN / Parcel Number

Primary APN	`17-03-17-300-002.000-005`
Alternative APN	`040317300002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,776 sqft Living Area
1st Floor Area	1,776 sqft
Basement Area	636 sqft
Unfinished Basement	636 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Wood
Foundation Type	Raised
Roof Material	Other
Lot Area	84,071 sqft (1.93 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	1,216 sqft
Parking Spaces	4 Parking Spaces
Poultry House	512 sqft

Utilities, Heating & Cooling

Heating System	Other

Location & Zoning

Account Number	040317300002
Street Address	1346 STATE ROAD 427
City	WATERLOO
State	IN
Zip	46793-9719
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	PT SW1/4 SW1/4 SECTION 17 TWP 35 RANGE 14 ACRES 1.93
Jurisdiction	DE KALB IN
Township / Civil Division	FRANKLIN
Census Block Group	3
Census Block	3020
Census Tract	20100

Owner

1346 State Rd 427, a rural home, is owned and occupied by an individual who bought it in September 2023.

Source: DeKalb County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	1346 STATE ROAD 427, WATERLOO, IN 46793-9719
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2023	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA
Sep 12, 2022	Warranty Deed, Transfer · Conventional Mortgage HORIZON BANK
Nov 4, 2021	Warranty Deed, Transfer
Nov 3, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2023 · Amount on File
Deed Sale	Sep 21, 2023 · Amount on File
Prior Sale	Sep 12, 2022 · Amount on File
Deed Document Number	20234816
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Sep 21, 2023
Property Address	1346 STATE ROAD 427, WATERLOO, IN 46793-9719
Document Number	0202304816
Instrument Date	Sep 5, 2023
Instrument	202304816
Transaction Type	Transfer
Record Updated	Nov 24, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1346 E STATE ROAD 427, HAMILTON, IN 46742

Mortgage

Document Number	0202304817
Date	Sep 21, 2023
Instrument	202304817

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Sep 12, 2022
Property Address	1346 STATE ROAD 427, WATERLOO, IN 46793-9719
Document Number	0202205738
Instrument Date	Aug 31, 2022
Instrument	202205738
Transaction Type	Transfer
Record Updated	Nov 24, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1346 E STATE ROAD 427, HAMILTON, IN 46742

Mortgage

Document Number	0202205739
Date	Sep 12, 2022
Instrument	202205739

Lender

Name	HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Nov 4, 2021
Property Address	1346 STATE ROAD 427, WATERLOO, IN 46793-9719
Document Number	0202108189
Instrument Date	Oct 26, 2021
Instrument	202108189
Transaction Type	Transfer
Record Updated	Nov 24, 2023

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4275 COUNTY ROAD 22, WATERLOO, IN 46793-9742

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Nov 3, 2021
Property Address	1346 STATE ROAD 427, WATERLOO, IN 46793-9719
Document Number	0202108101
Instrument Date	Oct 26, 2021
Instrument	202108101
Transaction Type	Transfer
Record Updated	Nov 24, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1346 STATE ROAD 427, HAMILTON, IN 46742

Tax Assessment & Valuation

The 2025 property tax bill for 1346 State Rd 427 was $957, up 40.1% from the year before.

Source: DeKalb County assessment roll, as of June 19, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	DeKalb County
County Subdivision	Franklin Township
Unified School District	Hamilton Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$957.00 (+40.12%)	$206,700 (+30.49%) Land $35,800 Building $170,900	$206,700 (+30.49%) Land $35,800 Building $170,900
2024	$683.00 (+12.89%)	$158,400 (+7.03%) Land $32,500 Building $125,900	$158,400 (+7.03%) Land $32,500 Building $125,900
2023	$605.00 (+4.67%)	$148,000 (+12.29%) Land $30,000 Building $118,000	$148,000 (+12.29%) Land $30,000 Building $118,000
2022	$578.00 (-61.31%)	$131,800 Land $26,100 Building $105,700	$131,800 Land $26,100 Building $105,700
2021	$1,494.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1346 State Rd 427 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2009.

Source: FEMA National Flood Hazard Layer, effective July 27, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2009)
Most Recent Claim	Mar 2009 · Severe Storms, Tornadoes, And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 1346 State Rd 427 has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
MetaLINK Technologies Fixed Wireless	500 / 100
Mercury Fiber Fixed Wireless	150 / 20
Watch TV Fixed Wireless	100 / 20
Lakeland Internet Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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