DeKalb County property record for 3185 Co Rd 43, Waterloo, IN 46793
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,781 sqft · built 1954 |
| Lot Size | 2.18 acres (95,179 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $110,000 (Mar 2000) |
| Tax Bill | $1,413 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Jan 2020 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-06-12-300-019.000-007 |
| Primary APN | 17-06-12-300-019.000-007 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,781 sqft Living Area |
| 1st Floor Area | 1,781 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1970 |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Material | Metal |
| Lot Area | 95,179 sqft (2.18 acres) |
| Terrain | Rolling |
| Garage Type | Mixed |
| Garage Area | 1,128 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 512 sqft |
| Deck Area | 224 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Lean-To | 512 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 050612300019 |
|---|---|
| Street Address | 3185 COUNTY ROAD 43 |
| City | WATERLOO |
| State | IN |
| Zip | 46793-9734 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT W END N1/2 SECTION 12 TWP 34 RANGE 13 ACRES 2.1850 |
| Jurisdiction | DE KALB IN |
| Township / Civil Division | GRANT |
| Census Block Group | 3 |
| Census Block | 3073 |
| Census Tract | 20200 |
3185 Co Rd 43 is owned and occupied by two individuals who bought it in March 2000.
Source: DeKalb County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3185 COUNTY ROAD 43, WATERLOO, IN 46793-9734 |
| 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.
| Date | Document |
|---|---|
| Apr 15, 2026 | Deed of Trust, Mortgage · Line of Credit COMMUNITY STATE BANK |
| Jan 17, 2020 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PROFED FCU |
| Sep 12, 2019 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 10, 2000 · Amount on File |
| Deed Sale | Mar 10, 2000 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DE KALB IN |
| Recording Date | Apr 15, 2026 |
| Property Address | 3185 COUNTY ROAD 43, WATERLOO, IN 46793-9734 |
| Document Number | 0202601861 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 20261861 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3185 COUNTY ROAD 43, WATERLOO, IN 46793-9734 |
| Document Number | 0000001861, |
|---|---|
| Date | Apr 15, 2026 |
| Instrument | 20261861 |
| Name | COMMUNITY STATE BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 15, 2036 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DE KALB IN |
| Property Address | 3185 COUNTY ROAD 43, WATERLOO, IN 46793-9734 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202000341 |
|---|---|
| Date | Jan 17, 2020 |
| Instrument | 202000341 |
| Name | PROFED FCU |
|---|---|
| Type | Credit Union |
| Address | FORT WAYNE, IN 46805 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 84 Months |
| Due | Jan 5, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DE KALB IN |
| Property Address | 3185 COUNTY ROAD 43, WATERLOO, IN 46793-9734 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2019 |
| Name | Verified Name |
|---|
| Document Number | 201904381 |
|---|---|
| Date | Sep 12, 2019 |
| Instrument | 201904381 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
The 2025 property tax bill for 3185 Co Rd 43 was $1,413, down 2.6% from the year before.
Source: DeKalb County assessment roll, as of June 19, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | DeKalb County |
| County Subdivision | Grant Township |
| Unified School District | DeKalb County Central United School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,413.00 (-2.55%) | $249,000 (+2.72%) Land $40,400 Building $208,600 | $249,000 (+2.72%) Land $40,400 Building $208,600 |
| 2024 | $1,450.00 (+5.53%) | $242,400 (+2.02%) Land $40,400 Building $202,000 | $242,400 (+2.02%) Land $40,400 Building $202,000 |
| 2023 | $1,374.00 (-13.04%) | $237,600 (+16.02%) Land $38,800 Building $198,800 | $237,600 (+16.02%) Land $38,800 Building $198,800 |
| 2022 | $1,580.00 | $204,800 Land $33,800 Building $171,000 | $204,800 Land $33,800 Building $171,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3185 Co Rd 43 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 risk around 3185 Co Rd 43 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 96% of the US · lower than 73% 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 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| MetaLINK Technologies Fixed Wireless | 500 / 100 |
| Lakeland Internet Fixed Wireless | 100 / 20 |
| Verizon Fixed Wireless | 25 / 6 |
| Watch TV Fixed Wireless | 25 / 3 |
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