3403 Co Rd 22, Waterloo, IN 46793 Property Records

DeKalb County property record for 3403 Co Rd 22, Waterloo, IN 46793

Property Summary

Property Type	Agricultural Vacant Land
Lot Size	16.3 acres (713,077 sqft)
Owner	Individual Name on File
Last Sale	$46,300 (Dec 2018)
Tax Bill	$214 (2025)
Deeds & Mortgages	Jan 2026 Construction Loan Dec 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`17-02-33-200-005.000-018`

Property Details

APN / Parcel Number

Primary APN	`17-02-33-200-005.000-018`
Alternative APN	`100233200005`

Exterior

Lot Area	713,077 sqft (16.3 acres)
Terrain	Rolling

Location & Zoning

Account Number	100233200005
Street Address	3403 COUNTY ROAD 22
City	WATERLOO
State	IN
Zip	46793-9431
Property Category	Agriculture or Farming
Property Type	Vacant Land > Agricultural
Legal Description	NKH STAHL ADDTITION LOT 1 ACRES 16.37 SECTION 33 TWP 35 RANGE 13
Legal Subdivision	NKH STAHL ADDITION
Legal Lot Number	1
Jurisdiction	DE KALB IN
Township / Civil Division	SMITHFIELD
Census Block Group	3
Census Block	3051
Census Tract	20100

Owner

3403 Co Rd 22, agricultural vacant land, is owned by an individual who bought it in December 2018.

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

Owner of Record	Individual Name on File
Mailing Address	3766 COUNTY ROAD 40A, AUBURN, IN 46706-9792
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
Jan 16, 2026	Deed of Trust, Mortgage · Construction Mortgage FARMERS & MERCHANTS BANK
Dec 20, 2018	Warranty Deed, Transfer · Line of Credit HORIZON BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2018 · Amount on File
Deed Sale	Dec 20, 2018 · Amount on File
Deed Document Number	20186649
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	3403 COUNTY ROAD 22, WATERLOO, IN 46793-9431
Transaction Type	Mortgage
Record Updated	Jan 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3766 COUNTY ROAD 40A, AUBURN, IN 46706-9792

Mortgage

Document Number	0202600224
Date	Jan 16, 2026
Instrument	202600224

Lender

Name	FARMERS & MERCHANTS BANK
Type	Bank
Address	6464 MERCHANTS DR, LAOTTO, IN 46763

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	9 Months
Due	Oct 12, 2026

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Dec 20, 2018
Property Address	3403 COUNTY ROAD 22, WATERLOO, IN 46793-9431
Document Number	0201806649
Map Reference	DOC 201804724
Instrument Date	Dec 19, 2018
Instrument	201806649
Transaction Type	Transfer
Record Updated	Jan 31, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3766 COUNTY ROAD 40A, AUBURN, IN 46706-9792

Mortgage

Document Number	0201806650
Date	Dec 20, 2018
Instrument	201806650

Lender

Name	HORIZON BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3403 Co Rd 22 was $214, up 8.6% 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	Smithfield 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	$214.00 (+8.63%)	$16,000 (+4.58%) Land $16,000	$16,000 (+4.58%) Land $16,000
2024	$197.00 (-8.37%)	$15,300 (+19.53%) Land $15,300	$15,300 (+19.53%) Land $15,300
2023	$215.00 (+19.44%)	$12,800 (+26.73%) Land $12,800	$12,800 (+26.73%) Land $12,800
2022	$180.00	$10,100 Land $10,100	$10,100 Land $10,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3403 Co Rd 22 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 3403 Co Rd 22 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 98% of the US · lower than 85% 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Steuben County REMC Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Lakeland Internet Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

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