3398 Co Rd 28, Waterloo, IN 46793 Property Records

DeKalb County property record for 3398 Co Rd 28, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,324 sqft · built 1952
Lot Size	0.387 acres (16,858 sqft)
Owner	Individual Name on File
Tax Bill	$536 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-06-09-100-010.000-007`

Property Details

APN / Parcel Number

Primary APN	`17-06-09-100-010.000-007`
Alternative APN	`050609100010`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,324 sqft Living Area
1st Floor Area	1,324 sqft
Basement Area	1,012 sqft
Unfinished Basement	1,012 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1965
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	16,858 sqft (0.387 acres)
Terrain	High
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Account Number	050609100010
Street Address	3398 COUNTY ROAD 28
City	WATERLOO
State	IN
Zip	46793-9537
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT E SIDE NW1/4 SECTION 9 TWP 34 RANGE 13 ACRES 0.3870
Jurisdiction	DE KALB IN
Township / Civil Division	GRANT
Census Block Group	3
Census Block	3014
Census Tract	20200

Owner

3398 Co Rd 28 is owned and occupied by an individual who acquired it in November 2014.

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

Owner of Record	Individual Name on File
Mailing Address	3398 COUNTY ROAD 28, WATERLOO, IN 46793-9537
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
Jul 11, 2023	Deed of Trust, Mortgage · Line of Credit HORIZON BANK
Oct 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL RESOURCES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 25, 2014
Transfer Doc	0000005826
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	3398 COUNTY ROAD 28, WATERLOO, IN 46793-9537
Transaction Type	Mortgage
Record Updated	Aug 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3398 COUNTY ROAD 28, WATERLOO, IN 46793-9537

Mortgage

Document Number	0202303256
Date	Jul 11, 2023
Instrument	202303256

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 27, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	3398 COUNTY ROAD 28, WATERLOO, IN 46793-9537
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201905344
Date	Oct 23, 2019
Instrument	201905344

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 3398 Co Rd 28 was $536, down 1.8% 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	$536.00 (-1.83%)	$144,600 (+0.07%) Land $18,300 Building $126,300	$144,600 (+0.07%) Land $18,300 Building $126,300
2024	$546.00 (+8.12%)	$144,500 (+2.77%) Land $18,300 Building $126,200	$144,500 (+2.77%) Land $18,300 Building $126,200
2023	$505.00 (+14.77%)	$140,600 (+16.97%) Land $17,600 Building $123,000	$140,600 (+16.97%) Land $17,600 Building $123,000
2022	$440.00	$120,200 Land $15,300 Building $104,900	$120,200 Land $15,300 Building $104,900

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

Flood

FEMA maps place 3398 Co Rd 28 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

Wildfire risk around 3398 Co Rd 28 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 97% of the US · lower than 78% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 8 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
Lakeland Internet Fixed Wireless	100 / 20

May also be available: MetaLINK Technologies, Watch TV.

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