DeKalb County property record for 2495 Co Rd 32, Waterloo, IN 46793
| Property Type | Rural Home |
|---|---|
| Details | 2 bd · 1 ba · 1,880 sqft · built 1960 |
| Lot Size | 14 acres (609,840 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $94,287 (Feb 2026) |
| Tax Bill | $2,909 (2025) |
| Deeds & Mortgages | Apr 2021 Line of Credit Apr 2022 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-06-07-300-004.000-007 |
| Primary APN | 17-06-07-300-004.000-007 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,880 sqft Living Area |
| 1st Floor Area | 1,880 sqft |
| Basement Area | 984 sqft |
| Unfinished Basement | 984 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 609,840 sqft (14 acres) |
| Terrain | High |
| Garage Type | Mixed |
| Garage Area | 872 sqft |
| Parking Spaces | 4 Parking Spaces |
| Granary | 78 sqft |
|---|---|
| Milk House | 140 sqft |
| Poultry House | 648 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 050607300004 |
|---|---|
| Street Address | 2495 COUNTY ROAD 32 |
| City | WATERLOO |
| State | IN |
| Zip | 46793-9423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | SW FRL 1/4 SECTION 7 TWP 34 RANGE 13 ACRES 14.0000 |
| Jurisdiction | DE KALB IN |
| Township / Civil Division | GRANT |
| Census Block Group | 3 |
| Census Block | 3037 |
| Census Tract | 20200 |
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 | 2495 COUNTY ROAD 32, WATERLOO, IN 46793-9423 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 30, 2021 | Deed of Trust, Mortgage · Line of Credit THE GARRETT STATE BANK |
| Apr 12, 2022 | Deed of Trust, Mortgage · Line of Credit THE GARRETT STATE BANK |
| Sep 16, 2013 | Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA |
| Oct 2, 2007 | Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA |
| Feb 27, 2026 | Intrafamily Transfer, Transfer · Commercial Mortgage THE GARRETT STATE BANK |
| Feb 3, 2021 | Intrafamily Transfer, Transfer · Stand-Alone Refinance THE GARRETT STATE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 27, 2026 · Amount on Record |
| Deed Sale | Feb 27, 2026 · Amount on Record |
| Prior Sale | Feb 3, 2021 · Amount on Record |
| Deed Document Number | 2026944 |
| Prior Transfer Date | Feb 24, 2026 |
| Prior Transfer Doc | 0202600944 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DE KALB IN |
| Property Address | 2495 COUNTY ROAD 32, WATERLOO, IN 46793-9423 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2493 COUNTY ROAD 32, WATERLOO, IN 46793-9423 |
| Document Number | 0202103133 |
|---|---|
| Date | Apr 30, 2021 |
| Instrument | 202103133 |
| Name | THE GARRETT STATE BANK |
|---|---|
| Type | Bank |
| Address | GARRETT, IN 46738 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 26, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DE KALB IN |
| Property Address | 2495 COUNTY ROAD 32, WATERLOO, IN 46793-9423 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2493 COUNTY ROAD 32, WATERLOO, IN 46793-9423 |
| Document Number | 0202202231 |
|---|---|
| Date | Apr 12, 2022 |
| Instrument | 202202231 |
| Name | THE GARRETT STATE BANK |
|---|---|
| Type | Bank |
| Address | GARRETT, IN 46738 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 7, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DE KALB IN |
| Property Address | 2495 COUNTY ROAD 32, WATERLOO, IN 46793-9423 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0201305609 |
|---|---|
| Date | Sep 16, 2013 |
| Instrument | 201305609 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 1, 2033 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DE KALB IN |
| Property Address | 2495 COUNTY ROAD 32, WATERLOO, IN 46793-9423 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0020706410 |
|---|---|
| Date | Oct 2, 2007 |
| Instrument | 20706410 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 11, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DE KALB IN |
| Recording Date | Feb 27, 2026 |
| Property Address | 2495 COUNTY ROAD 32, WATERLOO, IN 46793-9423 |
| Document Number | 0202600944 |
| Instrument Date | Feb 24, 2026 |
| Instrument | 202600944 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2026 |
| Title Company | MTC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2495 COUNTY ROAD 32, WATERLOO, IN 46793-9423 |
| Document Number | 0202600946 |
|---|---|
| Date | Feb 27, 2026 |
| Instrument | 202600946 |
| Name | THE GARRETT STATE BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 24, 2056 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DE KALB IN |
| Recording Date | Feb 3, 2021 |
| Property Address | 2495 COUNTY ROAD 32, WATERLOO, IN 46793-9423 |
| Document Number | 0202100806 |
| Instrument Date | Jan 22, 2021 |
| Instrument | 202100806 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 2493 COUNTY ROAD 32, WATERLOO, IN 46793-9423 |
| Document Number | 0202100807 |
|---|---|
| Date | Feb 3, 2021 |
| Instrument | 202100807 |
| Name | THE GARRETT STATE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 1, 2036 |
Source: DeKalb County assessment roll, as of June 19, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | DeKalb County |
| County Subdivision | Grant Township |
| Unified School District | DeKalb County Central United School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,909.00 (+5.25%) | $392,700 (+9.27%) Land $75,900 Building $316,800 | $392,700 (+9.27%) Land $75,900 Building $316,800 |
| 2024 | $2,764.00 (+0.77%) | $359,400 (+2.16%) Land $75,300 Building $284,100 | $359,400 (+2.16%) Land $75,300 Building $284,100 |
| 2023 | $2,743.00 (-4.72%) | $351,800 (+9.32%) Land $70,700 Building $281,100 | $351,800 (+9.32%) Land $70,700 Building $281,100 |
| 2022 | $2,879.00 | $321,800 Land $64,200 Building $257,600 | $321,800 Land $64,200 Building $257,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
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.
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.
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 |
| MetaLINK Technologies Fixed Wireless | 200 / 50 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| Watch TV Fixed Wireless | 100 / 20 |
| Lakeland Internet Fixed Wireless | 100 / 20 |
| Locl.Net Fixed Wireless | 30 / 8 |
| T-Mobile Fixed Wireless | 25 / 3 |
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