1835 Co Rd 39, Waterloo, IN 46793 Property Records

DeKalb County property record for 1835 Co Rd 39, Waterloo, IN 46793

Property Summary

Property Type	Rural Home
Details	5 bd · 6 ba · 5,880 sqft · built 2024
Lot Size	36 acres (1,568,160 sqft)
Owner	Individual Name on File
Last Sale	$376,300 (Nov 2014)
Tax Bill	$5,236 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Sep 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`17-02-26-100-005.000-018`

Property Details

APN / Parcel Number

Primary APN	`17-02-26-100-005.000-018`
Alternative APN	`100226100005`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Plumbing Fixtures	24 Plumbing Fixtures
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	5,880 sqft Living Area
1st Floor Area	5,880 sqft
Attic	Attic
Attic Area	1,840 sqft
Basement Area	2,683 sqft
Finished Basement	2,139 sqft
Unfinished Basement	2,444 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Construction Type	Wood
Roof Material	Asphalt
Lot Area	1,568,160 sqft (36 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	980 sqft
Parking Spaces	3 Parking Spaces
Pool Type	Above-Ground Pool
Pool Area	615 sqft
Lean-To	640 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	100226100005
Street Address	1835 COUNTY ROAD 39
City	WATERLOO
State	IN
Zip	46793-9787
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	PT W1/2 NW1/4 SECTION 26 TWP 35 RANGE 13 ACRES 36.00
Jurisdiction	DE KALB IN
Township / Civil Division	SMITHFIELD
Census Block Group	3
Census Block	3057
Census Tract	20100

Owner

1835 Co Rd 39, a rural home, is owned and occupied by an individual who bought it in November 2014.

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

Owner of Record	Individual Name on File
Mailing Address	1835 COUNTY ROAD 39, WATERLOO, IN 46793-9787
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
Nov 22, 2023	Deed of Trust, Mortgage · Conventional Mortgage BEACON CU
Sep 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage BEACON CU
Sep 17, 2021	Deed of Trust, Mortgage · Line of Credit BEACON CU
Nov 16, 2017	Deed of Trust, Mortgage · Line of Credit BEACON CU
Nov 16, 2017	Deed of Trust, Mortgage · Line of Credit BEACON CU
Nov 14, 2019	Deed of Trust, Mortgage · Line of Credit BEACON CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2014 · Amount on File
Deed Sale	Nov 5, 2014 · Amount on File
Deed Document Number	20145277
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	1835 COUNTY ROAD 39, WATERLOO, IN 46793-9787
Transaction Type	Mortgage
Record Updated	Dec 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1835 COUNTY ROAD 39, WATERLOO, IN 46793-9787

Mortgage

Document Number	0202305917
Date	Nov 22, 2023
Instrument	202305917

Lender

Name	BEACON CU
Type	Credit Union
Address	WABASH, IN 46992

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Dec 1, 2028
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	7.75%
Index	1-Year T-Bill
Max Rate	11.7%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	1835 COUNTY ROAD 39, WATERLOO, IN 46793-9787
Transaction Type	Mortgage
Record Updated	May 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202106895
Date	Sep 17, 2021
Instrument	202106895

Lender

Name	BEACON CU
Type	Credit Union
Address	AUBURN, IN 46706

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Oct 1, 2031
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	4.62%
Index	1-Year CMT
Max Rate	8.62%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	1835 COUNTY ROAD 39, WATERLOO, IN 46793-9787
Transaction Type	Mortgage
Record Updated	May 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1835 COUNTY ROAD 39, WATERLOO, IN 46793-9787

Mortgage

Document Number	0202106896
Date	Sep 17, 2021
Instrument	202106896

Lender

Name	BEACON CU
Type	Credit Union
Address	AUBURN, IN 46706

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 17, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	1835 COUNTY ROAD 39, WATERLOO, IN 46793-9787
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201706268
Date	Nov 16, 2017
Instrument	201706268

Lender

Name	BEACON CU
Type	Credit Union
Address	AUBURN, IN 46706

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Nov 14, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	1835 COUNTY ROAD 39, WATERLOO, IN 46793-9787
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201706267
Date	Nov 16, 2017
Instrument	201706267

Lender

Name	BEACON CU
Type	Credit Union
Address	AUBURN, IN 46706

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 14, 2047

Interest

Rate Type	Adjustable Rate

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	1835 COUNTY ROAD 39, WATERLOO, IN 46793-9787
Transaction Type	Mortgage
Record Updated	Nov 29, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201905833
Date	Nov 14, 2019
Instrument	201905833

Lender

Name	BEACON CU
Type	Credit Union
Address	AUBURN, IN 46706

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1835 Co Rd 39 was $5,236, up 9.3% 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	$5,236.00 (+9.27%)	$863,300 (+11.96%) Land $103,600 Building $759,700	$863,300 (+11.96%) Land $103,600 Building $759,700
2024	$4,792.00 (+12.91%)	$771,100 (+5.2%) Land $99,200 Building $671,900	$771,100 (+5.2%) Land $99,200 Building $671,900
2023	$4,244.00 (-10.29%)	$733,000 (+12.39%) Land $86,900 Building $646,100	$733,000 (+12.39%) Land $86,900 Building $646,100
2022	$4,731.00	$652,200 Land $72,300 Building $579,900	$652,200 Land $72,300 Building $579,900

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

Flood

FEMA maps place 1835 Co Rd 39 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 1835 Co Rd 39 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 6 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
Verizon Fixed Wireless	25 / 6
AT&T Fixed Wireless	25 / 3
Watch TV Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Co Rd 39

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