3283 Co Rd 45, Waterloo, IN 46793 Property Records

DeKalb County property record for 3283 Co Rd 45, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,538 sqft · built 1975
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Oct 2015)
Tax Bill	$2,105 (2025)
Deeds & Mortgages	Jul 2018 Second Mortgage Nov 2019 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`17-06-12-400-004.000-007`

Property Details

APN / Parcel Number

Primary APN	`17-06-12-400-004.000-007`
Alternative APN	`050612400004`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,538 sqft Living Area
1st Floor Area	2,106 sqft
Attic	Attic
Attic Area	864 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)
Terrain	High
Garage Type	Attached
Garage Area	3,224 sqft
Parking Spaces	10 Parking Spaces
Pool Area	1,000 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	050612400004
Street Address	3283 COUNTY ROAD 45
City	WATERLOO
State	IN
Zip	46793-9732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S SIDE SW1/4 SE1/4 SECTION 12 TWP 34 RANGE 13 ACRES 2.0000
Jurisdiction	DE KALB IN
Township / Civil Division	GRANT
Census Block Group	3
Census Block	3074
Census Tract	20200

Owner

3283 Co Rd 45 is owned and occupied by an individual who bought it in October 2015.

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 File
Mailing Address	3283 COUNTY ROAD 45, WATERLOO, IN 46793-9732
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FORT FINANCIAL CU
Nov 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage FORT FINANCIAL CU
Feb 3, 2023	Intrafamily Transfer, Transfer
Feb 3, 2023	Intrafamily Transfer, Transfer
Feb 3, 2023	Intrafamily Transfer, Transfer
Feb 3, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2015 · Amount on File
Deed Sale	Oct 24, 2015 · Amount on File
Deed Document Number	20159825994
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	3283 COUNTY ROAD 45, WATERLOO, IN 46793-9732
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0201803486
Date	Jul 10, 2018
Instrument	201803486

Lender

Name	FORT FINANCIAL CU
Type	Credit Union
Address	FORT WAYNE, IN 46808

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	119 Months
Due	Jun 28, 2028

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	3283 COUNTY ROAD 45, WATERLOO, IN 46793-9732
Transaction Type	Mortgage
Record Updated	Mar 7, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201905860
Date	Nov 15, 2019
Instrument	201905860

Lender

Name	FORT FINANCIAL CU
Type	Credit Union
Address	FORT WAYNE, IN 46808

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DE KALB IN
Recording Date	Feb 3, 2023
Property Address	3283 COUNTY ROAD 45, WATERLOO, IN 46793-9732
Document Number	0202300444
Instrument Date	Jan 9, 2023
Instrument	202300444
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3206 COUNTY ROAD 45, WATERLOO, IN 46793-9732

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3283 COUNTY ROAD 45, WATERLOO, IN 46793-9732

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DE KALB IN
Recording Date	Feb 3, 2023
Property Address	3283 COUNTY ROAD 45, WATERLOO, IN 46793-9732
Document Number	0202300447
Instrument Date	Jan 9, 2023
Instrument	202300447
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3206 COUNTY ROAD 45, WATERLOO, IN 46793-9732

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3283 COUNTY ROAD 45, WATERLOO, IN 46793-9732

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DE KALB IN
Recording Date	Feb 3, 2023
Property Address	3283 COUNTY ROAD 45, WATERLOO, IN 46793-9732
Document Number	0202300445
Instrument Date	Jan 9, 2023
Instrument	202300445
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3206 COUNTY ROAD 45, WATERLOO, IN 46793-9732

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3283 COUNTY ROAD 45, WATERLOO, IN 46793-9732

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DE KALB IN
Recording Date	Feb 3, 2023
Property Address	3283 COUNTY ROAD 45, WATERLOO, IN 46793-9732
Document Number	0202300442
Instrument Date	Jan 9, 2023
Instrument	202300442
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3206 COUNTY ROAD 45, WATERLOO, IN 46793-9732

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3283 COUNTY ROAD 45, WATERLOO, IN 46793-9732

Tax Assessment & Valuation

The 2025 property tax bill for 3283 Co Rd 45 was $2,105, up % 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
Unified School District	DeKalb County Central United School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,105.00 (+0.05%)	$360,800 (+0.61%) Land $39,100 Building $321,700	$360,800 (+0.61%) Land $39,100 Building $321,700
2024	$2,104.00 (+4.47%)	$358,600 (+2.28%) Land $39,100 Building $319,500	$358,600 (+2.28%) Land $39,100 Building $319,500
2023	$2,014.00 (-9.48%)	$350,600 (+19.45%) Land $37,600 Building $313,000	$350,600 (+19.45%) Land $37,600 Building $313,000
2022	$2,225.00	$293,500 Land $32,700 Building $260,800	$293,500 Land $32,700 Building $260,800

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

Flood

FEMA maps place 3283 Co Rd 45 in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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 3283 Co Rd 45 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
MetaLINK Technologies Fixed Wireless	500 / 100
Mercury Fiber Fixed Wireless	150 / 20
Lakeland Internet Fixed Wireless	100 / 20
Watch TV Fixed Wireless	100 / 20
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G (outdoors only) and 4G LTE

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