DeKalb County property record for 411 Co Rd 39, Waterloo, IN 46793
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,212 sqft · built 1995 |
| Lot Size | 2.16 acres (94,438 sqft) |
| Owner | Individual Name on File |
| Last Sale | $7,500 (Jul 1995) |
| Tax Bill | $1,539 (2025) |
| Deeds & Mortgages | May 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-02-03-400-009.000-018 |
| Primary APN | 17-02-03-400-009.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,212 sqft Living Area |
| 1st Floor Area | 2,212 sqft |
| Basement Area | 1,260 sqft |
| Unfinished Basement | 1,260 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Construction Type | Wood |
| Roof Material | Asphalt |
| Lot Area | 94,438 sqft (2.16 acres) |
| Garage Type | Mixed |
| Garage Area | 1,296 sqft |
| Parking Spaces | 5 Parking Spaces |
| Pool Type | Above-Ground Pool |
| Pool Area | 530 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 100203400009 |
|---|---|
| Street Address | 411 COUNTY ROAD 39 |
| City | WATERLOO |
| State | IN |
| Zip | 46793-9777 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LEHMAN ACRES SECTION II LOT 3 ACRES 2.168 |
| Legal Subdivision | LEHMAN ACRES |
| Legal Lot Number | 3 |
| Jurisdiction | DE KALB IN |
| Township / Civil Division | SMITHFIELD |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 20100 |
411 Co Rd 39 is owned and occupied by an individual who bought it in July 1995.
Source: DeKalb County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 411 COUNTY ROAD 39, WATERLOO, IN 46793-9777 |
| 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 |
|---|---|
| Last Sale | Jul 11, 1995 · Amount on File |
| Deed Sale | Jul 11, 1995 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DE KALB IN |
| Property Address | 411 COUNTY ROAD 39, WATERLOO, IN 46793-9777 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201702279 |
|---|---|
| Date | May 8, 2017 |
| Instrument | 201702279 |
| Name | HORIZON BANK NA |
|---|---|
| Type | Bank |
| Address | MICHIGAN CITY, IN 46360 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Apr 3, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 411 Co Rd 39 was $1,539.
Source: DeKalb County assessment roll, as of June 19, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | DeKalb County |
| County Subdivision | Smithfield Township |
| Unified School District | DeKalb County Central United School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,539.00 | $323,000 (+5.8%) Land $40,300 Building $282,700 | $323,000 (+5.8%) Land $40,300 Building $282,700 |
| 2024 | $1,539.00 (+7.32%) | $305,300 (+3.99%) Land $38,700 Building $266,600 | $305,300 (+3.99%) Land $38,700 Building $266,600 |
| 2023 | $1,434.00 (-13.3%) | $293,600 (+13.01%) Land $36,500 Building $257,100 | $293,600 (+13.01%) Land $36,500 Building $257,100 |
| 2022 | $1,654.00 | $259,800 Land $31,800 Building $228,000 | $259,800 Land $31,800 Building $228,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 411 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 risk around 411 Co Rd 39 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: 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.
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