1687 Co Rd 23, Waterloo, IN 46793 Property Records

DeKalb County property record for 1687 Co Rd 23, Waterloo, IN 46793

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,590 sqft · built 2004
Lot Size	5.84 acres (254,390 sqft)
Owner	Individual Name on File
Last Sale	$406,300 (Dec 2025)
Tax Bill	$2,097 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-02-19-300-003.000-018`

Property Details

APN / Parcel Number

Primary APN	`17-02-19-300-003.000-018`
Alternative APN	`100219300003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,590 sqft Living Area
1st Floor Area	1,590 sqft
Basement Area	1,458 sqft
Finished Basement	772 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	254,390 sqft (5.84 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Shed	1 Shed
Shed Area	96 sqft
Lean-To	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	100219300003
Street Address	1687 COUNTY ROAD 23
City	WATERLOO
State	IN
Zip	46793-9408
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	LITTLE HEAVEN LOT 1 ACRES 5.84
Legal Subdivision	LITTLE HEAVEN ADD
Legal Lot Number	1
Jurisdiction	DE KALB IN
Township / Civil Division	SMITHFIELD
Census Block Group	3
Census Block	3044
Census Tract	20100

Owner

1687 Co Rd 23, a rural home, is owned and occupied by an individual who bought it in December 2025.

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

Owner of Record	Individual Name on File
Mailing Address	1687 COUNTY ROAD 23, WATERLOO, IN 46793-9408
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
Dec 12, 2025	Deed of Trust, Mortgage · Commercial Mortgage FARMERS & MERCHANTS BANK
Oct 19, 2020	Deed of Trust, Mortgage FARMERS & MERCHANTS BANK
Mar 25, 2019	Warranty Deed, Transfer · Commercial Mortgage FARMERS & MERCHANTS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2025 · Amount on File
Deed Sale	Dec 12, 2025 · Amount on File
Prior Sale	Mar 25, 2019 · Amount on File
Deed Document Number	20256635
Prior Transfer Date	Dec 11, 2025
Prior Transfer Doc	0000006635
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	1687 COUNTY ROAD 23, WATERLOO, IN 46793-9408
Transaction Type	Mortgage
Record Updated	Dec 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1687 COUNTY ROAD 23, WATERLOO, IN 46793-9408

Mortgage

Document Number	0202506634
Date	Dec 12, 2025
Instrument	202506634

Lender

Name	FARMERS & MERCHANTS BANK
Type	Bank
Address	6464 MERCHANTS DR, LAOTTO, IN 46763

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Dec 2, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	1687 COUNTY ROAD 23, WATERLOO, IN 46793-9408
Transaction Type	Mortgage
Record Updated	Dec 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1687 COUNTY ROAD 23, WATERLOO, IN 46793-9408

Mortgage

Document Number	0202006608
Date	Oct 19, 2020
Instrument	202006608

Lender

Name	FARMERS & MERCHANTS BANK
Type	Bank
Address	LAOTTO, IN 46763

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 3, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Mar 25, 2019
Property Address	1687 COUNTY ROAD 23, WATERLOO, IN 46793-9408
Document Number	0201901266
Instrument Date	Mar 22, 2019
Instrument	201901266
Transaction Type	Transfer
Record Updated	Dec 26, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1687 COUNTY ROAD 23, WATERLOO, IN 46793-9408

Mortgage

Document Number	0201901267
Date	Mar 25, 2019
Instrument	201901267

Lender

Name	FARMERS & MERCHANTS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 22, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 1687 Co Rd 23 was $2,097, down 5% 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	$2,097.00 (-4.98%)	$437,200 (+1.3%) Land $44,000 Building $393,200	$437,200 (+1.3%) Land $44,000 Building $393,200
2024	$2,207.00 (+8.61%)	$431,600 (+3.06%) Land $42,300 Building $389,300	$431,600 (+3.06%) Land $42,300 Building $389,300
2023	$2,032.00 (-23.18%)	$418,800 (+9.6%) Land $39,300 Building $379,500	$418,800 (+9.6%) Land $39,300 Building $379,500
2022	$2,645.00	$382,100 Land $34,500 Building $347,600	$382,100 Land $34,500 Building $347,600

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

Flood

FEMA maps place 1687 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 1687 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 94% of the US · lower than 63% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	1,000 / 1,000
MetaLINK Technologies Fixed Wireless	500 / 100
Mercury Fiber Fixed Wireless	150 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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