195 E Union St, Waterloo, IN 46793 Property Records

DeKalb County property record for 195 E Union St, Waterloo, IN 46793 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1 Baths
Year Built	Built 1900
Square Footage	1,634 sqft Living Area
Lot Size	7,275 sqft (0.167 acres)
Occupancy	Owner Occupied
Last Sale	$72,400 (2021)
Tax Bill	$397.00 (2025)

Owner

Source: DeKalb County records · APN 17-06-03-328-012.000-008

Assessment roll updated June 19, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	195 E UNION ST, WATERLOO, IN 46793-9344
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 22, 2021 · Amount on Record
Deed Sale	Mar 22, 2021 · Amount on Record
Deed Doc Number	20212115
Record Refreshed	Sep 20, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Mar 22, 2021
Property Address	195 E UNION ST, WATERLOO, IN 46793-9344
Document Number	0202102115
Map Reference	MB 3 PG 22
Instrument Date	Mar 19, 2021
Instrument	202102115
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	From Affidavit or Verified
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 E UNION ST, WATERLOO, IN 46793-9344

Mortgage

Document Number	0202102116
Date	Mar 22, 2021
Instrument	202102116

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: DeKalb County records · Assessment roll updated June 19, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Indiana
County	DeKalb County
County Subdivision	Grant Township
Municipality	Waterloo Town
Unified School District	DeKalb County Central United School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$397.00 (-10.99%)	$77,800 (-0.13%) Land $20,100 Building $57,700	$77,800 (-0.13%) Land $20,100 Building $57,700
2024	$446.00 (+10.67%)	$77,900 (+7.01%) Land $20,100 Building $57,800	$77,900 (+7.01%) Land $20,100 Building $57,800
2023	$403.00 (+5.22%)	$72,800 (+4.45%) Land $18,700 Building $54,100	$72,800 (+4.45%) Land $18,700 Building $54,100
2022	$383.00	$69,700 Land $17,600 Building $52,100	$69,700 Land $17,600 Building $52,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, DeKalb County (18033C), updated July 27, 2018 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`17-06-03-328-012.000-008`
Alternative APN	`310603328012`

Interior

Bedrooms	3 Beds
Full Baths	1 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Building Area	1,634 sqft Living Area
1st Floor	1,634 sqft 1st Floor
Basement Area	1,218 sqft Basement
Unfinished Basement	1,218 sqft Unfinished
Stories	1 Stories

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Wood Construction
Roof Material	Asphalt Roof
Lot Area	7,275 sqft (0.167 acres)
Depth X Width	132 ft x 55 ft Depth x Width
Shed	1 Shed
Shed Area	120 sqft Shed

Utilities and HVAC

Heating System	Central Heating
Heating Fuel	Gas Heating Fuel
Sewage	Sewage Connected
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Account Number	310603328012
Street Address	195 E UNION ST
City	WATERLOO
State	IN
Zip	46793-9344
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	F & H RESURVEY LOT 75
Legal Subdivision	FROTHINGHAM AND HORNBERGERS RESURVEY
Legal Lot Number	75
Jurisdiction	DE KALB IN
Minor Civil Division	GRANT
Census Blockgroup	2
Census Block	2041
Census Tract	20200