386 Co Rd 39, Waterloo, IN 46793 Property Records

DeKalb County property record for 386 Co Rd 39, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,736 sqft · built 2000
Lot Size	8.02 acres (349,351 sqft)
Owner	Individual Name on File
Tax Bill	$2,004 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-02-03-400-011.000-018`

Property Details

APN / Parcel Number

Primary APN	`17-02-03-400-011.000-018`
Alternative APN	`100203400011`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,736 sqft Living Area
1st Floor Area	1,494 sqft
Attic	Attic
Attic Area	2,484 sqft
Basement Area	1,242 sqft
Finished Basement	648 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Material	Asphalt
Lot Area	349,351 sqft (8.02 acres)
Garage Type	Mixed
Garage Area	2,274 sqft
Parking Spaces	8 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	100203400011
Street Address	386 COUNTY ROAD 39
City	WATERLOO
State	IN
Zip	46793-9351
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOFFELDER ADDITION LOT 1 ACRES 8.02
Legal Subdivision	HOFFELDER ADD
Legal Lot Number	1
Jurisdiction	DE KALB IN
Township / Civil Division	SMITHFIELD
Census Block Group	3
Census Block	3006
Census Tract	20100

Owner

386 Co Rd 39 is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	386 COUNTY ROAD 39, WATERLOO, IN 46793-9351
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 31, 2026	Deed of Trust, Mortgage · Conventional Mortgage GARRETT STATE BANK
Mar 4, 2021	Deed of Trust, Mortgage · Commercial Mortgage THE GARRETT STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Recording Date	Jul 31, 2026
Property Address	386 COUNTY ROAD 39, WATERLOO, IN 46793-9351
Document Number	0000004091
Instrument Date	Jul 24, 2026
Instrument	20264091
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 COUNTY ROAD 39, WATERLOO, IN 46793-9351

Mortgage

Document Number	0000004091,
Date	Jul 31, 2026
Instrument	20264091

Lender

Name	GARRETT STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 24, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	386 COUNTY ROAD 39, WATERLOO, IN 46793-9351
Transaction Type	Mortgage
Record Updated	Mar 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 COUNTY ROAD 39, WATERLOO, IN 46793-9351

Mortgage

Document Number	202101601
Date	Mar 4, 2021
Instrument	202101601

Lender

Name	THE GARRETT STATE BANK
Type	Bank
Address	GARRETT, IN 46738

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 386 Co Rd 39 was $2,004, down 1.4% 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	$2,004.00 (-1.43%)	$354,700 (+5.47%) Land $83,300 Building $271,400	$354,700 (+5.47%) Land $83,300 Building $271,400
2024	$2,033.00 (+4.26%)	$336,300 (+4.57%) Land $80,100 Building $256,200	$336,300 (+4.57%) Land $80,100 Building $256,200
2023	$1,950.00 (-5.98%)	$321,600 (+11.94%) Land $75,600 Building $246,000	$321,600 (+11.94%) Land $75,600 Building $246,000
2022	$2,074.00	$287,300 Land $65,700 Building $221,600	$287,300 Land $65,700 Building $221,600

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

Flood

FEMA maps place 386 Co Rd 39 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 386 Co Rd 39 is low, with 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 80% of the US · above 73% of Indiana
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Lakeland Internet Fixed Wireless	500 / 100
MetaLINK Technologies Fixed Wireless	500 / 100

May also be available: AT&T, Mercury Fiber, Watch TV.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Co Rd 39

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures