2181 Co Rd 27, Waterloo, IN 46793 Property Records

DeKalb County property record for 2181 Co Rd 27, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,306 sqft · built 2000
Lot Size	1.82 acres (79,323 sqft)
Owner	Individual Name on File
Last Sale	$290,000 (Oct 2018)
Tax Bill	$1,926 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit May 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17-02-32-100-011.000-018`

Property Details

APN / Parcel Number

Primary APN	`17-02-32-100-011.000-018`
Alternative APN	`100232100011`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,306 sqft Living Area
1st Floor Area	2,306 sqft
Basement Area	1,000 sqft
Unfinished Basement	1,000 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	79,323 sqft (1.82 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	2,019 sqft
Parking Spaces	7 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	100232100011
Street Address	2181 COUNTY ROAD 27
City	WATERLOO
State	IN
Zip	46793-9413
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINE DRIVE LOT 1 ACRES 1.821
Legal Subdivision	PINE DRIVE
Legal Lot Number	1
Jurisdiction	DE KALB IN
Township / Civil Division	SMITHFIELD
Census Block Group	3
Census Block	3042
Census Tract	20100

Owner

2181 Co Rd 27 is owned and occupied by an individual who bought it in October 2018.

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

Owner of Record	Individual Name on File
Mailing Address	2181 COUNTY ROAD 27, WATERLOO, IN 46793-9413
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 31, 2025	Deed of Trust, Mortgage · Line of Credit NEWREZ LLC
May 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage SOFI LENDING CORP
Jan 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Jul 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage MILESTONE HOME LENDING LLC
Oct 19, 2018	Warranty Deed, Transfer · Conventional Mortgage MILESTONE HOME LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2018 · Amount on File
Deed Sale	Oct 19, 2018 · Amount on File
Deed Document Number	20185488
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	2181 COUNTY ROAD 27, WATERLOO, IN 46793-9413
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2181 COUNTY ROAD 27, WATERLOO, IN 46793-9413

Mortgage

Document Number	0202505599
Date	Oct 31, 2025
Instrument	202505599

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	1100 VIRGINIA DR STE 125, FORT WASHINGTON, PA 19034

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	2181 COUNTY ROAD 27, WATERLOO, IN 46793-9413
Transaction Type	Mortgage
Record Updated	May 4, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202103724
Date	May 24, 2021
Instrument	202103724

Lender

Name	SOFI LENDING CORP
Type	Lending Institution
Address	SALT LAKE CITY, UT 84121

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	168 Months
Due	May 1, 2035

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	2181 COUNTY ROAD 27, WATERLOO, IN 46793-9413
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2181 COUNTY ROAD 27, WATERLOO, IN 46793-9413

Mortgage

Document Number	0202200532
Date	Jan 25, 2022
Instrument	202200532

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	2181 COUNTY ROAD 27, WATERLOO, IN 46793-9413
Transaction Type	Mortgage
Record Updated	Aug 8, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201903355
Date	Jul 22, 2019
Instrument	201903355

Lender

Name	MILESTONE HOME LENDING LLC
Type	Mortgage Company
Address	CARMEL, IN 46032

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2034

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Oct 19, 2018
Property Address	2181 COUNTY ROAD 27, WATERLOO, IN 46793-9413
Document Number	201805488
Map Reference	MB 10 PG 82
Instrument Date	Oct 18, 2018
Instrument	201805488
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	2181 COUNTY ROAD 27, WATERLOO, IN 46793-9413

Mortgage

Document Number	201805489
Date	Oct 19, 2018
Instrument	201805489

Lender

Name	MILESTONE HOME LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 2181 Co Rd 27 was $1,926, down 0.6% 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	$1,926.00 (-0.62%)	$412,800 (+5.6%) Land $37,700 Building $375,100	$412,800 (+5.6%) Land $37,700 Building $375,100
2024	$1,938.00 (+10.55%)	$390,900 (+4.63%) Land $36,300 Building $354,600	$390,900 (+4.63%) Land $36,300 Building $354,600
2023	$1,753.00 (-11.69%)	$373,600 (+11.92%) Land $34,200 Building $339,400	$373,600 (+11.92%) Land $34,200 Building $339,400
2022	$1,985.00	$333,800 Land $29,800 Building $304,000	$333,800 Land $29,800 Building $304,000

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

Flood

FEMA maps place 2181 Co Rd 27 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 2181 Co Rd 27 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Steuben County REMC Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Lakeland Internet.

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