310 W Union St, Waterloo, IN 46793 Property Records

DeKalb County property record for 310 W Union St, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,872 sqft · built 1950
Lot Size	0.171 acres (7,449 sqft)
Owner	Individual Name on File
Last Sale	$112,300 (Oct 2020)
Tax Bill	$940 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jun 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-06-03-301-009.000-008`

Property Details

APN / Parcel Number

Primary APN	`17-06-03-301-009.000-008`
Alternative APN	`310603301009`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,872 sqft Living Area
1st Floor Area	1,872 sqft
Basement Area	1,272 sqft
Unfinished Basement	1,272 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Wood
Roof Material	Asphalt
Lot Area	7,449 sqft (0.171 acres)
Lot Dimensions	124 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	204 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	310603301009
Street Address	310 W UNION ST
City	WATERLOO
State	IN
Zip	46793-9213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOCK ADD LOT 22
Legal Subdivision	R M AND W C LOCKHARTS FIRST ADDITION
Legal Lot Number	22
Jurisdiction	DE KALB IN
Township / Civil Division	GRANT
Census Block Group	2
Census Block	2036
Census Tract	20200

Owner

310 W Union St is owned by an individual who bought it in October 2020.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 327, WATERLOO, IN 46793-0327
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 22, 2020	Warranty Deed, Transfer · FHA Mortgage V I P MORTGAGE INC
Jun 11, 2018	Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC
Jul 17, 2017	Land Contract, Transfer · Land Contract VANHORNE LAND CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2020 · Amount on File
Deed Sale	Oct 22, 2020 · Amount on File
Prior Sale	Jun 11, 2018 · Amount on File
Deed Document Number	20206797
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Oct 22, 2020
Property Address	310 W UNION ST, WATERLOO, IN 46793-9213
Document Number	202006797
Map Reference	PL 3 PG 49
Instrument Date	Oct 15, 2020
Instrument	202006797
Transaction Type	Transfer
Record Updated	Nov 29, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	310 W UNION ST, WATERLOO, IN 46793-9213

Mortgage

Document Number	202006798
Date	Oct 22, 2020
Instrument	202006798

Lender

Name	V I P MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Mortgage

Document Number	202006799
Date	Oct 22, 2020
Instrument	202006799

Lender

Name	INDIANA HOUSING & COMMUNITY DEVELOPMENT
Type	Government Agency
Address	WATERLOO, IN 46793

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	36 Months
Due	Oct 15, 2023

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Jun 11, 2018
Property Address	310 W UNION ST, WATERLOO, IN 46793-9213
Document Number	201802907
Instrument Date	Jun 4, 2018
Instrument	201802907
Transaction Type	Transfer
Record Updated	Nov 29, 2021
Title Company	CENTURION LAND TITLE INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	310 W UNION ST, WATERLOO, IN 46793-9213

Mortgage

Document Number	201802908
Date	Jun 11, 2018
Instrument	201802908

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

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

July 2017: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	DE KALB IN
Recording Date	Jul 17, 2017
Property Address	310 W UNION ST, WATERLOO, IN 46793-9213
Document Number	201703769
Instrument Date	Jun 15, 2017
Instrument	201703769
Transaction Type	Transfer
Record Updated	Nov 29, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Date	Jul 17, 2017

Lender

Name	VANHORNE LAND CO
Type	Non-Lending Institution

Agreement

Type	Land Contract
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 310 W Union St was $940, down 3.1% 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	$940.00 (-3.09%)	$121,200 (+4.21%) Land $16,200 Building $105,000	$121,200 (+4.21%) Land $16,200 Building $105,000
2024	$970.00 (+19.31%)	$116,300 (+7.39%) Land $15,400 Building $100,900	$116,300 (+7.39%) Land $15,400 Building $100,900
2023	$813.00 (-7.09%)	$108,300 (+4.03%) Land $14,200 Building $94,100	$108,300 (+4.03%) Land $14,200 Building $94,100
2022	$875.00	$104,100 Land $13,400 Building $90,700	$104,100 Land $13,400 Building $90,700

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

Flood

FEMA maps place 310 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 310 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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