4232 Co Rd 28, Waterloo, IN 46793 Property Records

DeKalb County property record for 4232 Co Rd 28, Waterloo, IN 46793

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 2,146 sqft · built 1989
Lot Size	6.6 acres (287,540 sqft)
Owner	Individual Name on Record
Tax Bill	$2,293 (2025)
Deeds & Mortgages	Sep 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`17-06-11-200-008.000-007`

Property Details

APN / Parcel Number

Primary APN	`17-06-11-200-008.000-007`
Alternative APN	`050611200008`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,146 sqft Living Area
1st Floor Area	2,146 sqft
Basement Area	2,136 sqft
Unfinished Basement	2,136 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1995
Construction Type	Wood
Roof Material	Metal
Lot Area	287,540 sqft (6.6 acres)
Terrain	High
Garage Type	Attached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	050611200008
Street Address	4232 COUNTY ROAD 28
City	WATERLOO
State	IN
Zip	46793-9330
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	STEPHEN'S ACRES ( 5.675 + .926 ACRES R/W ) LOT 1 (CONTAINS 6.601A)
Legal Subdivision	STEPHENS ACRES
Legal Lot Number	1
Jurisdiction	DE KALB IN
Township / Civil Division	GRANT
Census Block Group	3
Census Block	3072
Census Tract	20200

Owner

Source: DeKalb County records, as of June 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 493, WATERLOO, IN 46793-0493
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 16, 2025
Transfer Doc	0202503004
Record Updated	Sep 20, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	4232 COUNTY ROAD 28, WATERLOO, IN 46793-9330
Transaction Type	Mortgage
Record Updated	Sep 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201904159
Date	Sep 3, 2019
Instrument	201904159

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Aug 14, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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
Unified School District	DeKalb County Central United School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,293.00 (-1.12%)	$366,400 (+1.66%) Land $57,500 Building $308,900	$366,400 (+1.66%) Land $57,500 Building $308,900
2024	$2,319.00 (+3.02%)	$360,400 (+2.5%) Land $57,300 Building $303,100	$360,400 (+2.5%) Land $57,300 Building $303,100
2023	$2,251.00 (+7.5%)	$351,600 (+15.66%) Land $54,600 Building $297,000	$351,600 (+15.66%) Land $54,600 Building $297,000
2022	$2,094.00	$304,000 Land $47,300 Building $256,700	$304,000 Land $47,300 Building $256,700

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	Low lower than 94% of the US · lower than 63% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Auburn Essential Services Fiber	1,000 / 1,000
MetaLINK Technologies Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Lakeland Internet Fixed Wireless	100 / 20
Watch TV Fixed Wireless	100 / 20