DeKalb County property record for 395 West St, Waterloo, IN 46793
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 918 sqft · built 1868 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $719 (2025) |
| Deeds & Mortgages | Nov 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-06-04-476-004.000-008 |
| Primary APN | 17-06-04-476-004.000-008 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 918 sqft Living Area |
| 1st Floor Area | 918 sqft |
| Basement Area | 918 sqft |
| Unfinished Basement | 918 sqft |
| Year Built | Built 1868 |
|---|---|
| Effective Year Built | Effective 1960 |
| Construction Type | Wood |
| Roof Material | Metal |
| Lot Area | 15,246 sqft (0.35 acres) |
| Lot Dimensions | 144 ft deep x 106 ft wide |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 310604476004 |
|---|---|
| Street Address | 395 WEST ST |
| City | WATERLOO |
| State | IN |
| Zip | 46793-9542 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IN SE1/4 SECTION 4 TWP 34 RANGE 13 ACRES 0.3500 |
| Jurisdiction | DE KALB IN |
| Township / Civil Division | GRANT |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 20200 |
395 West St 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 | 395 WEST ST, WATERLOO, IN 46793-9542 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DE KALB IN |
| Property Address | 395 WEST ST, WATERLOO, IN 46793-9542 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0202108113 |
|---|---|
| Date | Nov 4, 2021 |
| Instrument | 202108113 |
| Name | FORT FINANCIAL FCU |
|---|---|
| Type | Credit Union |
| Address | FORT WAYNE, IN 46808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 99 Months |
| Due | Feb 4, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 395 West St was $719, down 4.5% from the year before.
Source: DeKalb County assessment roll, as of June 19, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $719.00 (-4.52%) | $102,500 (+1.59%) Land $27,600 Building $74,900 | $102,500 (+1.59%) Land $27,600 Building $74,900 |
| 2024 | $753.00 (+8.82%) | $100,900 (+2.02%) Land $27,600 Building $73,300 | $100,900 (+2.02%) Land $27,600 Building $73,300 |
| 2023 | $692.00 (-9.31%) | $98,900 (+8.21%) Land $26,800 Building $72,100 | $98,900 (+8.21%) Land $26,800 Building $72,100 |
| 2022 | $763.00 | $91,400 Land $25,400 Building $66,000 | $91,400 Land $25,400 Building $66,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 395 West St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2001.
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 Claims | 1 (2001) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2001 |
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 risk around 395 West St 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 94 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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