1475 Co Rd 23, Waterloo, IN 46793 Property Records

DeKalb County property record for 1475 Co Rd 23, Waterloo, IN 46793

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 2,008 sqft · built 1950
Lot Size	74.4 acres (3,244,349 sqft)
Owner	Individual Name on File
Tax Bill	$3,162 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Nov 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-02-19-100-003.000-018`

Property Details

APN / Parcel Number

Primary APN	`17-02-19-100-003.000-018`
Alternative APN	`100219100003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,008 sqft Living Area
1st Floor Area	2,008 sqft
Basement Area	1,252 sqft
Unfinished Basement	1,252 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	3,244,349 sqft (74.4 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	960 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Other

Location & Zoning

Account Number	100219100003
Street Address	1475 COUNTY ROAD 23
City	WATERLOO
State	IN
Zip	46793-9592
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	S SIDE NW1/4 SECTION 19 TWP 35 RANGE 13 ACRES 74.48
Jurisdiction	DE KALB IN
Township / Civil Division	SMITHFIELD
Census Block Group	3
Census Block	3043
Census Tract	20100

Owner

1475 Co Rd 23, a rural home, is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	1475 COUNTY ROAD 23, WATERLOO, IN 46793-9592
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
Oct 20, 2022	Deed of Trust, Mortgage · Line of Credit THE GARRETT STATE BANK
Nov 19, 2021	Deed of Trust, Mortgage · Line of Credit THE GARRETT STATE BANK
Jun 11, 2021	Intrafamily Transfer, Transfer · Stand-Alone Refinance THE GARRETT STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	1475 COUNTY ROAD 23, WATERLOO, IN 46793-9592
Transaction Type	Mortgage
Record Updated	Nov 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1475 COUNTY ROAD 23, WATERLOO, IN 46793-9592

Mortgage

Document Number	0202206669
Date	Oct 20, 2022
Instrument	202206669

Lender

Name	THE GARRETT STATE BANK
Type	Bank
Address	ASHLEY, IN 46705

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	1475 COUNTY ROAD 23, WATERLOO, IN 46793-9592
Transaction Type	Mortgage
Record Updated	May 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1475 COUNTY ROAD 23, WATERLOO, IN 46793-9592

Mortgage

Document Number	0202108575
Date	Nov 19, 2021
Instrument	202108575

Lender

Name	THE GARRETT STATE BANK
Type	Bank
Address	ASHLEY, IN 46705

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Nov 10, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DE KALB IN
Recording Date	Jun 11, 2021
Property Address	1475 COUNTY ROAD 23, WATERLOO, IN 46793-9592
Document Number	0202104307
Instrument Date	Jun 10, 2021
Instrument	202104307
Transaction Type	Transfer
Record Updated	May 4, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1475 COUNTY ROAD 23, WATERLOO, IN 46793-9592

Mortgage

Document Number	0202104308
Date	Jun 11, 2021
Instrument	202104308

Lender

Name	THE GARRETT STATE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1475 Co Rd 23 was $3,162, down 3.9% 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	Smithfield Township
Unified School District	DeKalb County Central United School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,162.00 (-3.89%)	$378,500 (+4.67%) Land $181,400 Building $197,100	$378,500 (+4.67%) Land $181,400 Building $197,100
2024	$3,290.00 (+24.53%)	$361,600 (+8.88%) Land $173,400 Building $188,200	$361,600 (+8.88%) Land $173,400 Building $188,200
2023	$2,642.00 (-26.85%)	$332,100 (+19.72%) Land $148,400 Building $183,700	$332,100 (+19.72%) Land $148,400 Building $183,700
2022	$3,612.00	$277,400 Land $120,500 Building $156,900	$277,400 Land $120,500 Building $156,900

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

Flood

FEMA maps place 1475 Co Rd 23 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

Wildfire risk around 1475 Co Rd 23 is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 5 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
Lakeland Internet Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
Verizon Fixed Wireless	25 / 6

May also be available: AT&T, Surf Internet, Watch TV.

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