2822 Co Rd 28, Waterloo, IN 46793 Property Records

DeKalb County property record for 2822 Co Rd 28, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,284 sqft · built 2017
Lot Size	2.2 acres (95,919 sqft)
Owner	Individual Name on File
Last Sale	$262,500 (Mar 2018)
Tax Bill	$2,328 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-06-08-100-016.000-007`

Property Details

APN / Parcel Number

Primary APN	`17-06-08-100-016.000-007`
Alternative APN	`050608100016`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Stories	2 Stories
Building Area	2,284 sqft Living Area
1st Floor Area	2,284 sqft
Basement Area	1,030 sqft
Finished Basement	1,030 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Construction Type	Wood
Roof Material	Asphalt
Lot Area	95,919 sqft (2.2 acres)
Garage Type	Attached
Garage Area	694 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Above-Ground Pool

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	050608100016
Street Address	2822 COUNTY ROAD 28
City	WATERLOO
State	IN
Zip	46793-9426
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY ACRES ( CONTAINS 2.202A ) LOT # 6.
Legal Subdivision	COUNTRY ACRES
Legal Lot Number	6
Jurisdiction	DE KALB IN
Township / Civil Division	GRANT
Census Block Group	3
Census Block	3029
Census Tract	20200

Owner

2822 Co Rd 28 is owned and occupied by an individual who bought it in March 2018.

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

Owner of Record	Individual Name on File
Mailing Address	2822 COUNTY ROAD 28, WATERLOO, IN 46793-9426
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
Oct 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE FARMERS & MERCHANTS STATE BANK
Mar 13, 2018	Intrafamily Transfer, Transfer · FHA Mortgage DIAMOND RESIDENTIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 2018 · Amount on File
Deed Sale	Mar 13, 2018 · Amount on File
Deed Document Number	20181226
Prior Transfer Date	Mar 8, 2018
Prior Transfer Doc	201801226
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	2822 COUNTY ROAD 28, WATERLOO, IN 46793-9426
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202006346
Date	Oct 8, 2020
Instrument	202006346

Lender

Name	THE FARMERS & MERCHANTS STATE BANK
Type	Bank
Address	ARCHBOLD, OH 43502

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

March 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DE KALB IN
Recording Date	Mar 13, 2018
Property Address	2822 COUNTY ROAD 28, WATERLOO, IN 46793-9426
Document Number	201801226
Map Reference	DOC02-7838
Instrument Date	Mar 8, 2018
Instrument	201801226
Transaction Type	Transfer
Record Updated	Nov 29, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2822 COUNTY ROAD 28, WATERLOO, IN 46793-9426

Mortgage

Document Number	201801227
Date	Mar 13, 2018
Instrument	201801227

Lender

Name	DIAMOND RESIDENTIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2822 Co Rd 28 was $2,328, down 8.3% 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	Grant 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	$2,328.00 (-8.27%)	$387,400 (-2.07%) Land $41,600 Building $345,800	$387,400 (-2.07%) Land $41,600 Building $345,800
2024	$2,538.00 (+5.79%)	$395,600 (+3.4%) Land $41,600 Building $354,000	$395,600 (+3.4%) Land $41,600 Building $354,000
2023	$2,399.00 (-3.11%)	$382,600 (+11.35%) Land $39,600 Building $343,000	$382,600 (+11.35%) Land $39,600 Building $343,000
2022	$2,476.00	$343,600 Land $34,500 Building $309,100	$343,600 Land $34,500 Building $309,100

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

Flood

FEMA maps place 2822 Co Rd 28 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

Wildfire risk around 2822 Co Rd 28 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 93% of the US · above 45% of Indiana
Wildfire Likelihood	Under 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
Watch TV Fixed Wireless	100 / 20
Locl.Net Fixed Wireless	30 / 8
MetaLINK Technologies Fixed Wireless	25 / 5

May also be available: AT&T, Lakeland Internet, Mercury Fiber, Surf Internet.

Nearby Properties on Co Rd 28

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures