2198 Co Rd 27, Waterloo, IN 46793 Property Records

DeKalb County property record for 2198 Co Rd 27, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,264 sqft · built 2022
Lot Size	3.31 acres (144,401 sqft)
Owner	Company Name on File
Last Sale	$20,000 (Aug 2017)
Tax Bill	$4,165 (2025)
Deeds & Mortgages	May 2022 Construction Loan May 2022 Construction Loan + 5 more
Flood Zone	Zone X (minimal risk)
APN	`17-02-31-200-019.000-018`

Property Details

APN / Parcel Number

Primary APN	`17-02-31-200-019.000-018`
Alternative APN	`100231200019`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,264 sqft Living Area
1st Floor Area	2,264 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	144,401 sqft (3.31 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	1,101 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	100231200019
Street Address	2198 COUNTY ROAD 27
City	WATERLOO
State	IN
Zip	46793-9413
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CYRAN ADDITION REPLAT LOT 2 ACRES 3.315
Legal Lot Number	2
Jurisdiction	DE KALB IN
Township / Civil Division	SMITHFIELD
Census Block Group	3
Census Block	3068
Census Tract	20100

Owner

2198 Co Rd 27 is owned by a company that bought it in August 2017.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	11130 OAK POINTE TRL, FORT WAYNE, IN 46845-1842
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
May 3, 2022	Intrafamily Transfer, Transfer · Construction Mortgage COMMUNITY STATE BANK
May 3, 2022	Intrafamily Transfer, Transfer · Construction Mortgage COMMUNITY STATE BANK
May 3, 2022	Quit Claim Deed, Transfer Quitclaim
May 3, 2022	Quit Claim Deed, Transfer Quitclaim
Aug 18, 2017	Re-recorded Document · ARM FIFTH THIRD MORTGAGE CO
May 26, 2017	Warranty Deed, Transfer · ARM FIFTH THIRD MORTGAGE CO
May 26, 2017	Warranty Deed, Transfer · ARM FIFTH THIRD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2017 · Amount on File
Deed Sale	Aug 18, 2017 · Amount on File
Prior Sale	May 26, 2017 · Amount on File
Deed Document Number	20174507
Prior Transfer Date	May 18, 2017
Prior Transfer Doc	0201704507
Record Updated	Oct 29, 2026

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DE KALB IN
Recording Date	May 3, 2022
Property Address	2198 COUNTY ROAD 27, WATERLOO, IN 46793-9413
Document Number	0202202669
Map Reference	DOC 201704166
Instrument Date	Apr 29, 2022
Instrument	202202669
Transaction Type	Transfer
Record Updated	Jan 2, 2024

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11130 OAK POINTE TRL, FORT WAYNE, IN 46845-1842

Mortgage

Document Number	0202202670
Date	May 3, 2022
Instrument	202202670

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	7 Months
Due	Dec 29, 2022

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DE KALB IN
Recording Date	May 3, 2022
Property Address	2198 COUNTY ROAD 27, WATERLOO, IN 46793-9413
Document Number	0202202669
Map Reference	DOC 201704166
Instrument Date	Apr 29, 2022
Instrument	202202669
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11130 OAK POINTE TRL, FORT WAYNE, IN 46845-1842
Investor	Possibly a Property Investor

Mortgage

Document Number	0202202670
Date	May 3, 2022
Instrument	202202670

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	7 Months
Due	Dec 29, 2022

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DE KALB IN
Recording Date	May 3, 2022
Property Address	2198 COUNTY ROAD 27, WATERLOO, IN 46793-9413
Document Number	0202202666
Map Reference	DOC 201704166
Instrument Date	Apr 22, 2022
Instrument	202202666
Transaction Type	Transfer
Record Updated	Jan 2, 2024

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11130 OAK POINTE TRL, FORT WAYNE, IN 46845-1842

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11130 OAK POINTE TRL, FORT WAYNE, IN 46845-1842

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DE KALB IN
Recording Date	May 3, 2022
Property Address	2198 COUNTY ROAD 27, WATERLOO, IN 46793-9413
Document Number	0202202666
Map Reference	DOC 201704166
Instrument Date	Apr 22, 2022
Instrument	202202666
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11130 OAK POINTE TRL, FORT WAYNE, IN 46845-1842

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11130 OAK POINTE TRL, FORT WAYNE, IN 46845-1842
Investor	Possibly a Property Investor

August 2017: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	DE KALB IN
Recording Date	Aug 18, 2017
Property Address	2198 COUNTY ROAD 27, WATERLOO, IN 46793-9413
Document Number	0201704507
Map Reference	DOC20308918
Instrument Date	May 18, 2017
Instrument	201704507
Record Updated	Jun 22, 2026

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3209 GINKO CV, FORT WAYNE, IN 46818-8751
Investor	Possibly a Property Investor

Mortgage

Document Number	0201704508
Date	Aug 18, 2017
Instrument	201704508

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Type	ARM
Amount	Amount on Record
Term	298 Months
Due	Jun 1, 2042

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Jun 1, 2022
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	10.5%
Index	1-Year LIBOR
Max Rate	10.5%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	May 26, 2017
Property Address	2198 COUNTY ROAD 27, WATERLOO, IN 46793-9413
Document Number	0201702681
Map Reference	DOC20308918
Instrument Date	May 18, 2017
Instrument	201702681
Transaction Type	Transfer
Record Updated	Jan 2, 2024
Title Company	DIVERSITY TITLE AND ESCROW COMPANY, LIBERTY TITLE & ESCROW CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3209 GINKO CV, FORT WAYNE, IN 46818-8751

Mortgage

Document Number	0201702682
Date	May 26, 2017
Instrument	201702682

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2042

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Jun 1, 2022
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	10.5%
Index	1-Year LIBOR
Max Rate	10.5%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	May 26, 2017
Property Address	2198 COUNTY ROAD 27, WATERLOO, IN 46793-9413
Document Number	0201702681
Map Reference	DOC20308918
Instrument Date	May 18, 2017
Instrument	201702681
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	DIVERSITY TITLE AND ESCROW COMPANY, LIBERTY TITLE & ESCROW CO

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3209 GINKO CV, FORT WAYNE, IN 46818-8751
Investor	Possibly a Property Investor

Mortgage

Document Number	0201702682
Date	May 26, 2017
Instrument	201702682

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2042

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Jun 1, 2022
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	10.5%
Index	1-Year LIBOR
Max Rate	10.5%

Tax Assessment & Valuation

The 2025 property tax bill for 2198 Co Rd 27 was $4,165, down 32% 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	$4,165.00 (-31.98%)	$458,700 Land $48,700 Building $410,000	$458,700 Land $48,700 Building $410,000
2024	$6,123.00 (+229.19%)
2023	$1,860.00 (+2,413.51%)	$192,100 (+4,367.44%) Land $44,200 Building $147,900	$192,100 (+4,367.44%) Land $44,200 Building $147,900
2022	$74.00	$4,300 Land $4,300	$4,300 Land $4,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2198 Co Rd 27 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 AE, 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 2198 Co Rd 27 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 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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