2199 Co Rd 27, Waterloo, IN 46793 Property Records

DeKalb County property record for 2199 Co Rd 27, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,910 sqft · built 1920
Lot Size	3.6 acres (156,816 sqft)
Owner	2 Individual Names on Record
Last Sale	$438,368 (Sep 2025)
Tax Bill	$1,216 (2025)
Deeds & Mortgages	Feb 2018 Line of Credit Apr 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17-02-32-100-003.000-018`

Property Details

APN / Parcel Number

Primary APN	`17-02-32-100-003.000-018`
Alternative APN	`100232100003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,910 sqft Living Area
1st Floor Area	1,910 sqft
Basement Area	880 sqft
Unfinished Basement	880 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1980
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	156,816 sqft (3.6 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	1,200 sqft
Parking Spaces	4 Parking Spaces
Shed	1 Shed
Shed Area	196 sqft
Lean-To	768 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	100232100003
Street Address	2199 COUNTY ROAD 27
City	WATERLOO
State	IN
Zip	46793-9413
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NW NW & PT SW NW SECTION 32 TWP 35 RANGE 13 ACRES 3.60
Jurisdiction	DE KALB IN
Township / Civil Division	SMITHFIELD
Census Block Group	3
Census Block	3042
Census Tract	20100

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	2199 COUNTY ROAD 27, WATERLOO, IN 46793-9413
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2018	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Apr 9, 2020	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jul 22, 2013	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NATIONAL BANK
Sep 24, 2025	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Dec 20, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage COMMUNITY STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2025 · Amount on Record
Deed Sale	Sep 24, 2025 · Amount on Record
Prior Sale	Dec 20, 2023 · Amount on Record
Deed Document Number	20255072
Prior Transfer Date	Dec 15, 2023
Prior Transfer Doc	0202306383
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	2199 COUNTY ROAD 27, WATERLOO, IN 46793-9413
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201800867
Date	Feb 20, 2018
Instrument	201800867

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	2199 COUNTY ROAD 27, WATERLOO, IN 46793-9413
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202001800
Date	Apr 9, 2020
Instrument	202001800

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 20, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	2199 COUNTY ROAD 27, WATERLOO, IN 46793-9413
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201304259
Date	Jul 22, 2013
Instrument	201304259

Lender

Name	HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 21, 2043

Interest

Rate Type	Fixed Rate

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Sep 24, 2025
Property Address	2199 COUNTY ROAD 27, WATERLOO, IN 46793-9413
Document Number	0202505072
Instrument Date	Sep 22, 2025
Instrument	202505072
Transaction Type	Transfer
Record Updated	May 12, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2199 COUNTY ROAD 27, WATERLOO, IN 46793-9413

Mortgage

Document Number	0202505073
Date	Sep 24, 2025
Instrument	202505073

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2045

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DE KALB IN
Recording Date	Dec 20, 2023
Property Address	2199 COUNTY ROAD 27, WATERLOO, IN 46793-9413
Document Number	0202306383
Instrument Date	Dec 15, 2023
Instrument	202306383
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2199 COUNTY ROAD 27, WATERLOO, IN 46793-9413

Mortgage

Document Number	0202306384
Date	Dec 20, 2023
Instrument	202306384

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Tax Assessment & Valuation

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	$1,216.00 (+1.5%)	$256,800 (+6.91%) Land $49,300 Building $207,500	$256,800 (+6.91%) Land $49,300 Building $207,500
2024	$1,198.00 (+8.71%)	$240,200 (+3.98%) Land $47,500 Building $192,700	$240,200 (+3.98%) Land $47,500 Building $192,700
2023	$1,102.00 (-3.59%)	$231,000 (+10.74%) Land $44,800 Building $186,200	$231,000 (+10.74%) Land $44,800 Building $186,200
2022	$1,143.00	$208,600 Land $38,900 Building $169,700	$208,600 Land $38,900 Building $169,700

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

Flood

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

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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