2407 Co Rd 23, Waterloo, IN 46793 Property Records

DeKalb County property record for 2407 Co Rd 23, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 2,192 sqft · built 1980
Lot Size	1.46 acres (63,772 sqft)
Owner	Individual Name on File
Tax Bill	$21 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jan 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`17-02-31-300-009.000-018`

Property Details

APN / Parcel Number

Primary APN	`17-02-31-300-009.000-018`
Alternative APN	`100231300009`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,192 sqft Living Area
1st Floor Area	1,296 sqft
Attic	Attic
Attic Area	1,792 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1986
Construction Type	Wood
Roof Material	Asphalt
Lot Area	63,772 sqft (1.46 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	1,200 sqft
Parking Spaces	4 Parking Spaces
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	100231300009
Street Address	2407 COUNTY ROAD 23
City	WATERLOO
State	IN
Zip	46793-9415
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN SW1/4 AND PT SW1/4 SECTION 31 TWP 35 RANGE 13 ACRES 1.464
Jurisdiction	DE KALB IN
Township / Civil Division	SMITHFIELD
Census Block Group	3
Census Block	3049
Census Tract	20100

Owner

2407 Co Rd 23 is owned and occupied by an individual who acquired it in March 2015.

Source: DeKalb County records, as of June 19, 2026

Owner of Record	Individual Name on File
Mailing Address	2407 COUNTY ROAD 23, WATERLOO, IN 46793-9415
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
Apr 7, 2026	Deed of Trust, Mortgage · Line of Credit HORIZON BANK
Jan 17, 2018	Deed of Trust, Mortgage · Line of Credit HORIZON BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 6, 2015
Transfer Doc	0000001094
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Recording Date	Apr 7, 2026
Property Address	2407 COUNTY ROAD 23, WATERLOO, IN 46793-9415
Document Number	0202601693
Instrument Date	Mar 20, 2026
Instrument	20261693
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2407 COUNTY ROAD 23, WATERLOO, IN 46793-9415

Mortgage

Document Number	0000001693,
Date	Apr 7, 2026
Instrument	20261693

Lender

Name	HORIZON BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 20, 2051

Interest

Rate	6.01%
Max Rate	-1%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	2407 COUNTY ROAD 23, WATERLOO, IN 46793-9415
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800355
Date	Jan 17, 2018
Instrument	201800355

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Dec 5, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 2407 Co Rd 23 was $21, up 25% 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	$21.00 (+25%)	$194,200 (+8.13%) Land $34,600 Building $159,600	$194,200 (+8.13%) Land $34,600 Building $159,600
2024	$6.00	$179,600 (+4%) Land $33,300 Building $146,300	$179,600 (+4%) Land $33,300 Building $146,300
2023	$6.00 (-86.05%)	$172,700 (+10.92%) Land $31,400 Building $141,300	$172,700 (+10.92%) Land $31,400 Building $141,300
2022	$43.00	$155,700 Land $27,300 Building $128,400	$155,700 Land $27,300 Building $128,400

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

Flood

FEMA maps place 2407 Co Rd 23 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 2407 Co Rd 23 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 98% of the US · lower than 85% 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Watch TV Fixed Wireless	100 / 20

May also be available: Mercury Fiber, T-Mobile.

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