195 Spring St, Waterloo, IN 46793 Property Records

DeKalb County property record for 195 Spring 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 1960
Square Footage	1,540 sqft Living Area
Lot Size	25,265 sqft (0.58 acres)
Occupancy	Owner Occupied
Last Sale	$74,700 (2012)
Tax Bill	$814.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`17-06-03-132-002.000-008`
Alternative APN	`310603132002`

Interior

Bedrooms	3 Beds
Full Baths	1 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Building Area	1,540 sqft Living Area
1st Floor	1,540 sqft 1st Floor
Basement Area	672 sqft Basement
Unfinished Basement	672 sqft Unfinished
Stories	2 Stories

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Construction Type	Wood Construction
Foundation Type	No Foundation Foundation
Roof Material	Asphalt Roof
Lot Area	25,265 sqft (0.58 acres)
Parking Spaces	1 Parking Spaces
Garage Type	Attached Garage
Garage Area	264 sqft Garage
Pool Type	Above-Ground Pool Pool Type
Pool Area	452 sqft Pool
Shed	1 Shed

Utilities and HVAC

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

Location & Zoning

Account Number	310603132002
Street Address	195 SPRING ST
City	WATERLOO
State	IN
Zip	46793-9793
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	PT NE1/4 NW1/4 SECTION 3 TWP 34 RANGE 13 ACRES 0.5800
Jurisdiction	DE KALB IN
Minor Civil Division	GRANT
Census Blockgroup	2
Census Block	2007
Census Tract	20200

Owner

Source: DeKalb County records · APN 17-06-03-132-002.000-008

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 SPRING ST, WATERLOO, IN 46793-9793
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	Oct 10, 2012 · Amount on Record
Deed Sale	Oct 10, 2012 · Amount on Record
Deed Doc Number	20126055
Record Refreshed	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	195 SPRING ST, WATERLOO, IN 46793-9793
Transaction Type	Mortgage
Record Updated	Jun 09, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202005860
Date	Sep 21, 2020
Instrument	202005860

Lender

Name	THE FARMERS AND MERCHANTS BANK
Type	Bank
Address	ARCHBOLD, OH 43502

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2050

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	$814.00 (-10.75%)	$110,900 (-1.16%) Land $25,600 Building $85,300	$110,900 (-1.16%) Land $25,600 Building $85,300
2024	$912.00 (+9.62%)	$112,200 (+2.28%) Land $25,600 Building $86,600	$112,200 (+2.28%) Land $25,600 Building $86,600
2023	$832.00 (+3.87%)	$109,700 (+17.33%) Land $24,900 Building $84,800	$109,700 (+17.33%) Land $24,900 Building $84,800
2022	$801.00	$93,500 Land $11,500 Building $82,000	$93,500 Land $11,500 Building $82,000

Flood & Wildfire

195 Spring St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.

Flood

Source: FEMA National Flood Hazard Layer · DeKalb County (18033C), updated July 27, 2018

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

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

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