260 W Union St, Waterloo, IN 46793 Property Records

DeKalb County property record for 260 W Union St, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,654 sqft · built 1950
Lot Size	0.159 acres (6,926 sqft)
Owner	Individual Name on File
Last Sale	$72,700 (Jan 2017)
Tax Bill	$528 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-06-03-302-002.000-008`

Property Details

APN / Parcel Number

Primary APN	`17-06-03-302-002.000-008`
Alternative APN	`310603302002`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,654 sqft Living Area
1st Floor Area	1,654 sqft
Basement Area	572 sqft
Unfinished Basement	572 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	6,926 sqft (0.159 acres)
Lot Dimensions	124 ft deep x 56 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	310603302002
Street Address	260 W UNION ST
City	WATERLOO
State	IN
Zip	46793-9211
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L 1ST ADD LOT 24
Legal Subdivision	L 1ST ADD
Legal Lot Number	24
Jurisdiction	DE KALB IN
Township / Civil Division	GRANT
Census Block Group	2
Census Block	2037
Census Tract	20200

Owner

260 W Union St is owned by an individual who bought it in January 2017.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 358, WATERLOO, IN 46793-0358
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
Aug 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE MORTGAGE
Feb 2, 2022	Deed of Trust, Mortgage · FHA Mortgage FIRST GUARANTY MORTGAGE CORP
Jan 23, 2017	Warranty Deed, Transfer · FHA Mortgage AMERICAN MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 23, 2017 · Amount on File
Deed Sale	Jan 23, 2017 · Amount on File
Deed Document Number	2017354
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Recording Date	Aug 5, 2026
Property Address	260 W UNION ST, WATERLOO, IN 46793-9211
Document Number	0000004157
Instrument Date	Jul 23, 2026
Instrument	20264157
Transaction Type	Mortgage
Record Updated	Sep 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	260 W UNION ST, WATERLOO, IN 46793-9211

Mortgage

Document Number	0000004157,
Date	Aug 5, 2026
Instrument	20264157

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

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

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	260 W UNION ST, WATERLOO, IN 46793-9211
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202200718
Date	Feb 2, 2022
Instrument	202200718

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Jan 23, 2017
Property Address	260 W UNION ST, WATERLOO, IN 46793-9211
Document Number	0201700354
Instrument Date	Jan 18, 2017
Instrument	201700354
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Amount	Amount 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	260 W UNION ST, WATERLOO, IN 46793-9211

Mortgage

Document Number	0201700355
Date	Jan 23, 2017
Instrument	201700355

Lender

Name	AMERICAN MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 260 W Union St was $528, up 6.2% 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	Grant Township
Municipality	Waterloo Town
Unified School District	DeKalb County Central United School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$528.00 (+6.24%)	$88,900 (+7.37%) Land $15,100 Building $73,800	$88,900 (+7.37%) Land $15,100 Building $73,800
2024	$497.00 (+17.77%)	$82,800 (+6.56%) Land $14,400 Building $68,400	$82,800 (+6.56%) Land $14,400 Building $68,400
2023	$422.00 (+2.18%)	$77,700 (+3.46%) Land $13,300 Building $64,400	$77,700 (+3.46%) Land $13,300 Building $64,400
2022	$413.00	$75,100 Land $12,500 Building $62,600	$75,100 Land $12,500 Building $62,600

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

Flood

FEMA maps place 260 W Union St 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	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.

Wildfire

The area around 260 W Union St has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERLOO WATER WORKS serves 2,242 people · EPA ID IN5217007
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 146 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Surf Internet Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Lakeland Internet, MetaLINK Technologies, Watch TV.

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