325 S Wayne St, Waterloo, IN 46793 Property Records

DeKalb County property record for 325 S Wayne St, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,776 sqft · built 1950
Lot Size	0.189 acres (8,233 sqft)
Owner	Individual Name on Record
Tax Bill	$621 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Oct 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`17-06-03-354-006.000-008`

Property Details

APN / Parcel Number

Primary APN	`17-06-03-354-006.000-008`
Alternative APN	`310603354006`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,776 sqft Living Area
1st Floor Area	1,776 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	8,233 sqft (0.189 acres)
Lot Dimensions	125 ft deep x 66 ft wide
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	310603354006
Street Address	325 S WAYNE ST
City	WATERLOO
State	IN
Zip	46793-9354
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RESURVEY OP LOT 112
Legal Lot Number	112
Jurisdiction	DE KALB IN
Township / Civil Division	GRANT
Census Block Group	1
Census Block	1031
Census Tract	20200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 702, WATERLOO, IN 46793-0702
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2021	Deed of Trust, Mortgage · Line of Credit THREE RIVERS FCU
Oct 21, 2021	Deed of Trust, Mortgage · Line of Credit THREE RIVERS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	325 S WAYNE ST, WATERLOO, IN 46793-9354
Transaction Type	Mortgage
Record Updated	May 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202105141
Date	Jul 13, 2021
Instrument	202105141

Lender

Name	THREE RIVERS FCU
Type	Credit Union
Address	FORT WAYNE, IN 46825

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Jun 15, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	325 S WAYNE ST, WATERLOO, IN 46793-9354
Transaction Type	Mortgage
Record Updated	May 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202107704
Date	Oct 21, 2021
Instrument	202107704

Lender

Name	THREE RIVERS FCU
Type	Credit Union
Address	FORT WAYNE, IN 46825

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 15, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$621.00 (-9.34%)	$95,800 (-0.31%) Land $23,700 Building $72,100	$95,800 (-0.31%) Land $23,700 Building $72,100
2024	$685.00 (+20.6%)	$96,100 (+7.25%) Land $23,700 Building $72,400	$96,100 (+7.25%) Land $23,700 Building $72,400
2023	$568.00 (-3.57%)	$89,600 (+4.19%) Land $21,900 Building $67,700	$89,600 (+4.19%) Land $21,900 Building $67,700
2022	$589.00	$86,000 Land $20,700 Building $65,300	$86,000 Land $20,700 Building $65,300

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

Flood

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 Claims	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2001

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

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 303 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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