DeKalb County property record for 2986 Co Rd 18, Waterloo, IN 46793
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,620 sqft · built 1977 |
| Lot Size | 14.9 acres (651,658 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $189,500 (Jun 2005) |
| Tax Bill | $2,113 (2025) |
| Deeds & Mortgages | Feb 2023 Line of Credit Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-02-29-400-005.000-018 |
| Primary APN | 17-02-29-400-005.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,620 sqft Living Area |
| 1st Floor Area | 1,620 sqft |
| Basement Area | 900 sqft |
| Unfinished Basement | 900 sqft |
| Family Room | Family Room |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1980 |
| Construction Type | Wood |
| Roof Material | Asphalt |
| Lot Area | 651,658 sqft (14.9 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 100229400005 |
|---|---|
| Street Address | 2986 COUNTY ROAD 18 |
| City | WATERLOO |
| State | IN |
| Zip | 46793-9411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IN S PT W1/2 SE1/4 SECTION 29 TWP 35 RANGE 13 ACRES 14.9600 |
| Jurisdiction | DE KALB IN |
| Township / Civil Division | SMITHFIELD |
| Census Block Group | 3 |
| Census Block | 3039 |
| Census Tract | 20100 |
Source: DeKalb County records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 2986 COUNTY ROAD 18, WATERLOO, IN 46793-9411 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 22, 2023 | Deed of Trust, Mortgage · Line of Credit THE FARMERS & MERCHANTS STATE BANK |
| Oct 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THE FARMERS AND MERCHANTS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 10, 2005 · Amount on Record |
| Deed Sale | Jun 10, 2005 · Amount on Record |
| Deed Document Number | 20054645 |
| Prior Transfer Date | Jun 8, 2005 |
| Prior Transfer Doc | 0000004644 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DE KALB IN |
| Property Address | 2986 COUNTY ROAD 18, WATERLOO, IN 46793-9411 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0202300863 |
|---|---|
| Date | Feb 22, 2023 |
| Instrument | 202300863 |
| Name | THE FARMERS & MERCHANTS STATE BANK |
|---|---|
| Type | Bank |
| Address | ARCHBOLD, OH 43502 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Feb 20, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DE KALB IN |
| Property Address | 2986 COUNTY ROAD 18, WATERLOO, IN 46793-9411 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202006177 |
|---|---|
| Date | Oct 1, 2020 |
| Instrument | 202006177 |
| Name | THE FARMERS AND MERCHANTS BANK |
|---|---|
| Type | Bank |
| Address | ARCHBOLD, OH 43502 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2050 |
Source: DeKalb County assessment roll, as of June 19, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | DeKalb County |
| County Subdivision | Smithfield Township |
| Unified School District | DeKalb County Central United School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,113.00 (-0.38%) | $327,300 (+3.61%) Land $125,200 Building $202,100 | $327,300 (+3.61%) Land $125,200 Building $202,100 |
| 2024 | $2,121.00 (+3.62%) | $315,900 (+5.12%) Land $120,400 Building $195,500 | $315,900 (+5.12%) Land $120,400 Building $195,500 |
| 2023 | $2,047.00 (+6.01%) | $300,500 (+14.35%) Land $113,500 Building $187,000 | $300,500 (+14.35%) Land $113,500 Building $187,000 |
| 2022 | $1,931.00 | $262,800 Land $98,700 Building $164,100 | $262,800 Land $98,700 Building $164,100 |
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 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 63% 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.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Steuben County REMC Fiber | 1,000 / 1,000 |
| MetaLINK Technologies Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Lakeland Internet Fixed Wireless | 100 / 20 |
| Watch TV Fixed Wireless | 100 / 20 |
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