1696 Co Rd 31, Waterloo, IN 46793 Property Records

DeKalb County property record for 1696 Co Rd 31, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,744 sqft · built 1965
Lot Size	1.08 acres (47,045 sqft)
Owner	Individual Name on File
Last Sale	$110,000 (Aug 1998)
Tax Bill	$649 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Sep 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`17-02-20-400-003.000-018`

Property Details

APN / Parcel Number

Primary APN	`17-02-20-400-003.000-018`
Alternative APN	`100220400003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,744 sqft Living Area
1st Floor Area	1,744 sqft
Basement Area	928 sqft
Unfinished Basement	928 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Construction Type	Wood
Roof Material	Other
Lot Area	47,045 sqft (1.08 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Other

Location & Zoning

Account Number	100220400003
Street Address	1696 COUNTY ROAD 31
City	WATERLOO
State	IN
Zip	46793-9580
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT S SIDE SE1/4 OF SEC 20 AND PT N SIDE NE1/4 OF SEC 29 SECTION 20 TWP 35 RANGE 13 ACRES 1.08
Legal Subdivision	THE MEADOWS
Jurisdiction	DE KALB IN
Township / Civil Division	SMITHFIELD
Census Block Group	3
Census Block	3039
Census Tract	20100

Owner

1696 Co Rd 31 is owned and occupied by an individual who bought it in August 1998.

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

Owner of Record	Individual Name on File
Mailing Address	1696 COUNTY ROAD 31, WATERLOO, IN 46793-9580
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 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage HORIZON BANK
Sep 23, 2019	Affidavit, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 1998 · Amount on File
Deed Sale	Aug 19, 1998 · Amount on File
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	1696 COUNTY ROAD 31, WATERLOO, IN 46793-9580
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202006973
Date	Oct 29, 2020
Instrument	202006973

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

September 2019: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	DE KALB IN
Recording Date	Sep 23, 2019
Property Address	1696 COUNTY ROAD 31, WATERLOO, IN 46793-9580
Document Number	201904649
Map Reference	MB 6 PG 129
Instrument Date	Sep 20, 2019
Instrument	201904649
Transaction Type	Transfer
Record Updated	Nov 29, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1696 COUNTY ROAD 31, WATERLOO, IN 46793-9580

Tax Assessment & Valuation

The 2025 property tax bill for 1696 Co Rd 31 was $649, down 2.6% 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	$649.00 (-2.55%)	$172,200 (+2.93%) Land $31,400 Building $140,800	$172,200 (+2.93%) Land $31,400 Building $140,800
2024	$666.00 (+11%)	$167,300 (+5.09%) Land $31,100 Building $136,200	$167,300 (+5.09%) Land $31,100 Building $136,200
2023	$600.00 (+2.21%)	$159,200 (+12.99%) Land $29,300 Building $129,900	$159,200 (+12.99%) Land $29,300 Building $129,900
2022	$587.00	$140,900 Land $25,500 Building $115,400	$140,900 Land $25,500 Building $115,400

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

Flood

FEMA maps place 1696 Co Rd 31 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 1696 Co Rd 31 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 97% of the US · lower than 78% 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Steuben County REMC Fiber	1,000 / 1,000
MetaLINK Technologies Fixed Wireless	500 / 100
Mercury Fiber Fixed Wireless	150 / 20
Lakeland Internet Fixed Wireless	100 / 20
Watch TV Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Co Rd 31

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