2202 State Rd 427, Waterloo, IN 46793 Property Records

DeKalb County property record for 2202 State Rd 427, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,322 sqft · built 1864
Lot Size	4.56 acres (198,634 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (Jan 1996)
Tax Bill	$1,345 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Oct 2018 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-02-35-200-002.000-018`

Property Details

APN / Parcel Number

Primary APN	`17-02-35-200-002.000-018`
Alternative APN	`100235200002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,322 sqft Living Area
1st Floor Area	2,322 sqft
Basement Area	1,161 sqft
Unfinished Basement	1,161 sqft

Exterior

Year Built	Built 1864
Effective Year Built	Effective 1975
Construction Type	Brick
Roof Material	Metal
Lot Area	198,634 sqft (4.56 acres)
Garage Type	Attached
Garage Area	612 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Shed	1 Shed
Shed Area	270 sqft
Milk House	234 sqft
Silo	Silo

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	100235200002
Street Address	2202 STATE ROAD 427
City	WATERLOO
State	IN
Zip	46793-9707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NE1/4 SECTION 35 TWP 35 RANGE 13 ACRES 4.5600
Jurisdiction	DE KALB IN
Township / Civil Division	SMITHFIELD
Census Block Group	3
Census Block	3057
Census Tract	20100

Owner

2202 State Rd 427 is owned and occupied by an individual who bought it in January 1996.

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

Owner of Record	Individual Name on File
Mailing Address	2202 STATE ROAD 427, WATERLOO, IN 46793-9707
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
Nov 4, 2021	Deed of Trust, Mortgage · Line of Credit FORT FINANCIAL FCU
Oct 9, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FORT FINANCIAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 1996 · Amount on File
Deed Sale	Jan 3, 1996 · Amount on File
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	2202 STATE ROAD 427, WATERLOO, IN 46793-9707
Transaction Type	Mortgage
Record Updated	May 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202108114
Date	Nov 4, 2021
Instrument	202108114

Lender

Name	FORT FINANCIAL FCU
Type	Credit Union
Address	FORT WAYNE, IN 46808

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	36 Months
Due	Oct 31, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	2202 STATE ROAD 427, WATERLOO, IN 46793-9707
Transaction Type	Mortgage
Record Updated	Jul 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201805279
Date	Oct 9, 2018
Instrument	201805279

Lender

Name	FORT FINANCIAL CU
Type	Credit Union
Address	FORT WAYNE, IN 46808

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	35 Months
Due	Sep 28, 2021

Tax Assessment & Valuation

The 2025 property tax bill for 2202 State Rd 427 was $1,345.

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	$1,345.00	$270,700 (+3.8%) Land $53,600 Building $217,100	$270,700 (+3.8%) Land $53,600 Building $217,100
2024	$1,345.00 (+3.7%)	$260,800 (+4.74%) Land $51,600 Building $209,200	$260,800 (+4.74%) Land $51,600 Building $209,200
2023	$1,297.00 (+4.34%)	$249,000 (+14.8%) Land $48,600 Building $200,400	$249,000 (+14.8%) Land $48,600 Building $200,400
2022	$1,243.00	$216,900 Land $42,300 Building $174,600	$216,900 Land $42,300 Building $174,600

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

Flood

FEMA maps place 2202 State Rd 427 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

Wildfire risk around 2202 State Rd 427 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 99.1% of the US · lower than 94% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
MetaLINK Technologies Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
Lakeland Internet Fixed Wireless	100 / 20
Watch TV Fixed Wireless	100 / 20

May also be available: AT&T.

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