2277 Co Rd 20, Waterloo, IN 46793 Property Records

DeKalb County property record for 2277 Co Rd 20, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,756 sqft · built 1870
Lot Size	1.33 acres (57,935 sqft)
Owner	Individual Name on File
Last Sale	$122,800 (Nov 2009)
Tax Bill	$670 (2025)
Deeds & Mortgages	Nov 2009 Mortgage Sep 2017 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`17-01-25-400-005.000-004`

Property Details

APN / Parcel Number

Primary APN	`17-01-25-400-005.000-004`
Alternative APN	`030125400005`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,756 sqft Living Area
1st Floor Area	1,756 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1960
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	57,935 sqft (1.33 acres)
Terrain	Rolling

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	030125400005
Street Address	2277 COUNTY ROAD 20
City	WATERLOO
State	IN
Zip	46793-9409
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN SE 1/4 SECTION 25 TWP 35 RANGE 12 ACRES 1.3300
Jurisdiction	DE KALB IN
Township / Civil Division	FAIRFIELD
Census Block Group	2
Census Block	2046
Census Tract	20100

Owner

2277 Co Rd 20 is owned and occupied by an individual who bought it in November 2009.

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

Owner of Record	Individual Name on File
Mailing Address	2277 COUNTY ROAD 20, WATERLOO, IN 46793-9409
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 23, 2009	Deed of Trust, Mortgage · Conventional Mortgage POLARIS HOME FUNDING CORP
Sep 27, 2017	Deed of Trust, Mortgage INDIANA HOUSING & COMMUNITY DEVELOPMENT
Jun 21, 2018	Deed of Trust, Mortgage INDIANA HOUSING & COMMUNITY DEVELOPMENT
Apr 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage GARRETT STATE BANK
Apr 16, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Sep 27, 2017	Deed of Trust, Mortgage INDIANA HOUSING & COMMUNITY DEVELOPMENT
Jun 21, 2018	Deed of Trust, Mortgage INDIANA HOUSING & COMMUNITY DEVELOPMENT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 23, 2009 · Amount on File
Deed Sale	Nov 23, 2009 · Amount on File
Prior Sale	Nov 5, 2009 · Amount on File
Deed Document Number	20096956
Prior Transfer Date	Aug 15, 2007
Prior Transfer Doc	0000005713
Record Updated	Oct 29, 2026

November 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	2277 COUNTY ROAD 20, WATERLOO, IN 46793-9409
Transaction Type	Mortgage
Record Updated	May 1, 2026
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200906957
Date	Nov 23, 2009
Instrument	200906957

Lender

Name	POLARIS HOME FUNDING CORP
Type	Lending Institution
Address	GRANDVILLE, MI 49418

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2039

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	2277 COUNTY ROAD 20, WATERLOO, IN 46793-9409
Transaction Type	Mortgage
Record Updated	May 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201705337
Date	Sep 27, 2017
Instrument	201705337

Lender

Name	INDIANA HOUSING & COMMUNITY DEVELOPMENT
Type	Government Agency
Address	INDIANAPOLIS, IN 46204

Agreement

Amount	Amount on Record

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	2277 COUNTY ROAD 20, WATERLOO, IN 46793-9409
Transaction Type	Mortgage
Record Updated	May 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201803121
Date	Jun 21, 2018
Instrument	201803121

Lender

Name	INDIANA HOUSING & COMMUNITY DEVELOPMENT
Type	Government Agency
Address	WATERLOO, IN 46793

Agreement

Amount	Amount on Record

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Recording Date	Apr 16, 2026
Property Address	2277 COUNTY ROAD 20, WATERLOO, IN 46793-9409
Document Number	0000001896
Instrument Date	Mar 26, 2026
Instrument	20261896
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2277 COUNTY ROAD 20, WATERLOO, IN 46793-9409

Mortgage

Document Number	0000001896,
Date	Apr 16, 2026
Instrument	20261896

Lender

Name	GARRETT STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 26, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DE KALB IN
Recording Date	Apr 16, 2026
Property Address	2277 COUNTY ROAD 20, WATERLOO, IN 46793-9409
Document Number	0202601897
Instrument Date	Mar 26, 2026
Instrument	20261897
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2277 COUNTY ROAD 20, WATERLOO, IN 46793-9409

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	2277 COUNTY ROAD 20, WATERLOO, IN 46793-9409
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201705337
Date	Sep 27, 2017
Instrument	201705337

Lender

Name	INDIANA HOUSING & COMMUNITY DEVELOPMENT
Type	Government Agency
Address	INDIANAPOLIS, IN 46204

Agreement

Amount	Amount on Record

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	2277 COUNTY ROAD 20, WATERLOO, IN 46793-9409
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201803121
Date	Jun 21, 2018
Instrument	201803121

Lender

Name	INDIANA HOUSING & COMMUNITY DEVELOPMENT
Type	Government Agency
Address	WATERLOO, IN 46793

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2277 Co Rd 20 was $670, up 16.5% 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	Fairfield 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	$670.00 (+16.52%)	$150,800 (+2.17%) Land $32,300 Building $118,500	$150,800 (+2.17%) Land $32,300 Building $118,500
2024	$575.00 (-14.43%)	$147,600 (+1.79%) Land $31,600 Building $116,000	$147,600 (+1.79%) Land $31,600 Building $116,000
2023	$672.00 (+2.44%)	$145,000 (+11.45%) Land $30,400 Building $114,600	$145,000 (+11.45%) Land $30,400 Building $114,600
2022	$656.00	$130,100 Land $26,500 Building $103,600	$130,100 Land $26,500 Building $103,600

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

Flood

FEMA maps place 2277 Co Rd 20 in Zone X, an area of minimal flood risk.

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	7 in force

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 2277 Co Rd 20 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20
Watch TV Fixed Wireless	100 / 20
MetaLINK Technologies Fixed Wireless	25 / 5

May also be available: Lakeland Internet, Locl.Net.

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