340 W Union St, Waterloo, IN 46793 Property Records

DeKalb County property record for 340 W Union St, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,600 sqft · built 1960
Lot Size	0.159 acres (6,944 sqft)
Owner	Individual Name on Record
Last Sale	$119,400 (Mar 2021)
Tax Bill	$1,034 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-06-03-301-007.000-008`

Property Details

APN / Parcel Number

Primary APN	`17-06-03-301-007.000-008`
Alternative APN	`310603301007`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,600 sqft Living Area
1st Floor Area	1,600 sqft
Basement Area	780 sqft
Unfinished Basement	780 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	6,944 sqft (0.159 acres)
Lot Dimensions	124 ft deep x 56 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	310603301007
Street Address	340 W UNION ST
City	WATERLOO
State	IN
Zip	46793-9213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L ADD LOT 20
Legal Subdivision	LOCKHARTS FIRST ADDITION
Legal Lot Number	20
Jurisdiction	DE KALB IN
Township / Civil Division	GRANT
Census Block Group	2
Census Block	2036
Census Tract	20200

Owner

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 Record
Mailing Address	340 W UNION ST, WATERLOO, IN 46793-9213
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2022	Deed of Trust, Mortgage INDIANA HOUSING & COMMUNITY DEVELOPMENT
Mar 22, 2021	Warranty Deed, Transfer · Conventional Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 22, 2021 · Amount on Record
Deed Sale	Mar 22, 2021 · Amount on Record
Prior Sale	Dec 14, 2005 · Amount on Record
Deed Document Number	20212118
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	340 W UNION ST, WATERLOO, IN 46793-9213
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202205371
Date	Aug 22, 2022
Instrument	202205371

Lender

Name	INDIANA HOUSING & COMMUNITY DEVELOPMENT
Type	Government Agency
Address	INDIANAPOLIS, IN 46204

Agreement

Amount	Amount Recorded

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Mar 22, 2021
Property Address	340 W UNION ST, WATERLOO, IN 46793-9213
Document Number	0202102118
Instrument Date	Mar 19, 2021
Instrument	202102118
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	340 W UNION ST, WATERLOO, IN 46793-9213

Mortgage

Document Number	0202102119
Date	Mar 22, 2021
Instrument	202102119

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$1,034.00 (-0.39%)	$128,500 (+6.11%) Land $15,100 Building $113,400	$128,500 (+6.11%) Land $15,100 Building $113,400
2024	$1,038.00 (+17.95%)	$121,100 (+6.88%) Land $14,400 Building $106,700	$121,100 (+6.88%) Land $14,400 Building $106,700
2023	$880.00 (-8.14%)	$113,300 (+3.66%) Land $13,300 Building $100,000	$113,300 (+3.66%) Land $13,300 Building $100,000
2022	$958.00	$109,300 Land $12,500 Building $96,800	$109,300 Land $12,500 Building $96,800

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 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

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 146 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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