325 Co Rd 51, Waterloo, IN 46793 Property Records

DeKalb County property record for 325 Co Rd 51, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,128 sqft · built 1974
Lot Size	10.4 acres (456,509 sqft)
Owner	Individual Name on File
Last Sale	$264,700 (Aug 2020)
Tax Bill	$2,744 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-03-05-300-005.000-005`

Property Details

APN / Parcel Number

Primary APN	`17-03-05-300-005.000-005`
Alternative APN	`040305300005`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,128 sqft Living Area
1st Floor Area	2,128 sqft
Basement Area	2,128 sqft
Unfinished Basement	2,128 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1985
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	456,509 sqft (10.4 acres)
Terrain	High

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	040305300005
Street Address	325 COUNTY ROAD 51
City	WATERLOO
State	IN
Zip	46793-9606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT W1/2 W1/2 SW1/4 SECTION 5 TWP 35 RANGE 14 ACRES 10.48
Jurisdiction	DE KALB IN
Township / Civil Division	FRANKLIN
Census Block Group	3
Census Block	3000
Census Tract	20100

Owner

325 Co Rd 51 is owned and occupied by an individual who bought it in August 2020.

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

Owner of Record	Individual Name on File
Mailing Address	325 COUNTY ROAD 51, WATERLOO, IN 46793-9606
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
Nov 8, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Aug 31, 2020	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC
Jan 17, 2018	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2020 · Amount on File
Deed Sale	Aug 31, 2020 · Amount on File
Prior Sale	Jan 17, 2018 · Amount on File
Deed Document Number	20205384
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	325 COUNTY ROAD 51, WATERLOO, IN 46793-9606
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202108232
Date	Nov 8, 2021
Instrument	202108232

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Aug 31, 2020
Property Address	325 COUNTY ROAD 51, WATERLOO, IN 46793-9606
Document Number	0202005384
Instrument Date	Aug 25, 2020
Instrument	202005384
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 ARC 57, WATERLOO, IN 46793

Mortgage

Document Number	0202005385
Date	Aug 31, 2020
Instrument	202005385

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	353 Months
Due	Jan 10, 2050

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Jan 17, 2018
Property Address	325 COUNTY ROAD 51, WATERLOO, IN 46793-9606
Document Number	0201800330
Instrument Date	Jan 11, 2018
Instrument	201800330
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 COUNTY ROAD 51, WATERLOO, IN 46793-9606

Mortgage

Document Number	0201800331
Date	Jan 17, 2018
Instrument	201800331

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 325 Co Rd 51 was $2,744, up 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	Franklin Township
Unified School District	Hamilton Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,744.00 (+3%)	$404,100 (+16.62%) Land $106,500 Building $297,600	$404,100 (+16.62%) Land $106,500 Building $297,600
2024	$2,664.00 (+3.06%)	$346,500 (+7.04%) Land $96,800 Building $249,700	$346,500 (+7.04%) Land $96,800 Building $249,700
2023	$2,585.00 (+32.77%)	$323,700 (+14.1%) Land $89,700 Building $234,000	$323,700 (+14.1%) Land $89,700 Building $234,000
2022	$1,947.00	$283,700 Land $78,000 Building $205,700	$283,700 Land $78,000 Building $205,700

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

Flood

FEMA maps place 325 Co Rd 51 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2009.

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.

Wildfire

Wildfire risk around 325 Co Rd 51 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 94% of the US · above 40% 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Steuben County REMC Fiber	1,000 / 1,000
Lakeland Internet Fixed Wireless	500 / 100
Mercury Fiber Fixed Wireless	150 / 20

May also be available: MetaLINK Technologies.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Co Rd 51

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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