2648 Co Rd 20, Waterloo, IN 46793 Property Records

DeKalb County property record for 2648 Co Rd 20, Waterloo, IN 46793

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 1,708 sqft · built 1987
Lot Size	13.1 acres (571,159 sqft)
Owner	2 Trust Names on File
Last Sale	$670,320 (Mar 2023)
Tax Bill	$1,616 (2025)
Deeds & Mortgages	Jan 2026 Transfer Mar 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-02-31-200-003.000-018`

Property Details

APN / Parcel Number

Primary APN	`17-02-31-200-003.000-018`
Alternative APN	`100231200003`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,708 sqft Living Area
1st Floor Area	1,008 sqft
Attic	Attic
Attic Area	1,400 sqft
Basement Area	1,008 sqft
Finished Basement	900 sqft
Unfinished Basement	1,008 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2005
Construction Type	Wood
Roof Material	Asphalt
Lot Area	571,159 sqft (13.1 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	100231200003
Street Address	2648 COUNTY ROAD 20
City	WATERLOO
State	IN
Zip	46793-9450
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	N END E1/2 NE1/4 ( 11.00 AC CLASSIFIED ) SECTION 31 TWP 35 RANGE 13 ACRES 13.112
Jurisdiction	DE KALB IN
Township / Civil Division	SMITHFIELD
Census Block Group	3
Census Block	3068
Census Tract	20100

Owner

2648 Co Rd 20, a rural home, is owner-occupied and held in a trust since December 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	2648 COUNTY ROAD 20, WATERLOO, IN 46793-9450
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Jan 5, 2026	Intrafamily Transfer, Transfer
Mar 16, 2023	Warranty Deed, Transfer · Commercial Mortgage FARMERS & MERCHANTS BANK
Nov 18, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2023 · Amount on File
Deed Sale	Mar 16, 2023 · Amount on File
Prior Sale	Nov 18, 2021 · Amount on File
Deed Document Number	20231253
Last Transfer Date	Dec 31, 2025
Transfer Doc	0202600027
Record Updated	Oct 29, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DE KALB IN
Recording Date	Jan 5, 2026
Property Address	2648 COUNTY ROAD 20, WATERLOO, IN 46793-9450
Document Number	0202600027
Instrument Date	Dec 31, 2025
Instrument	202600027
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2648 COUNTY ROAD 20, WATERLOO, IN 46793-9450

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Mar 16, 2023
Property Address	2648 COUNTY ROAD 20, WATERLOO, IN 46793-9450
Document Number	0202301253
Instrument Date	Mar 14, 2023
Instrument	202301253
Transaction Type	Transfer
Record Updated	Nov 17, 2023
Title Company	TRADEMARK TITLE INC, TRADEMARK TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2648 COUNTY ROAD 20, WATERLOO, IN 46793-9450
Investor	Possibly a Property Investor

Mortgage

Document Number	0202301254
Date	Mar 16, 2023
Instrument	202301254

Lender

Name	FARMERS & MERCHANTS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 14, 2053

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Nov 18, 2021
Property Address	2648 COUNTY ROAD 20, WATERLOO, IN 46793-9450
Document Number	0202108504
Instrument Date	Nov 12, 2021
Instrument	202108504
Transaction Type	Transfer
Record Updated	Nov 17, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2648 COUNTY ROAD 20, WATERLOO, IN 46793-9450

Tax Assessment & Valuation

The 2025 property tax bill for 2648 Co Rd 20 was $1,616, down 4.3% 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	$1,616.00 (-4.32%)	$356,800 (+2.26%) Land $34,400 Building $322,400	$356,800 (+2.26%) Land $34,400 Building $322,400
2024	$1,689.00 (-27.32%)	$348,900 (-4.62%) Land $33,800 Building $315,100	$348,900 (-4.62%) Land $33,800 Building $315,100
2023	$2,324.00 (-31.93%)	$365,800 (+11.8%) Land $114,300 Building $251,500	$365,800 (+11.8%) Land $114,300 Building $251,500
2022	$3,414.00	$327,200 Land $99,400 Building $227,800	$327,200 Land $99,400 Building $227,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2648 Co Rd 20 in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 2648 Co Rd 20 is low, with 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 80% of the US · above 73% of Indiana
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Steuben County REMC Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

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

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