4334 Co Rd 10, Waterloo, IN 46793 Property Records

DeKalb County property record for 4334 Co Rd 10, Waterloo, IN 46793

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 1,810 sqft · built 1970
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Jun 2020)
Tax Bill	$838 (2025)
Deeds & Mortgages	Nov 2025 Transfer Mar 2018 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`17-02-14-400-004.000-018`

Property Details

APN / Parcel Number

Primary APN	`17-02-14-400-004.000-018`
Alternative APN	`100214400004`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,810 sqft Living Area
1st Floor Area	1,810 sqft
Basement Area	880 sqft
Unfinished Basement	880 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Construction Type	Wood
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	64 sqft
Poultry House	360 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	100214400004
Street Address	4334 COUNTY ROAD 10
City	WATERLOO
State	IN
Zip	46793-9762
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	PT NE1/4 SE1/4 SECTION 14 TWP 35 RANGE 13 ACRES 2.00
Jurisdiction	DE KALB IN
Township / Civil Division	SMITHFIELD
Census Block Group	3
Census Block	3026
Census Tract	20100

Owner

4334 Co Rd 10, a rural home, is owned and occupied by an individual who acquired it in November 2025.

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

Owner of Record	Individual Name on File
Mailing Address	4334 COUNTY ROAD 10, WATERLOO, IN 46793-9762
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
Nov 18, 2025	Transfer on Death Deed, Transfer
Mar 12, 2018	Deed of Trust, Mortgage · Line of Credit BEACON CU
May 23, 2018	Deed of Trust, Mortgage · Line of Credit BEACON CU
Aug 6, 2019	Deed of Trust, Mortgage · USDA Mortgage USDA
Sep 26, 2018	Deed of Trust, Mortgage · Line of Credit BEACON CU
Jun 22, 2020	Warranty Deed, Transfer · Conventional Mortgage FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2020 · Amount on File
Deed Sale	Jun 22, 2020 · Amount on File
Prior Sale	Nov 10, 2015
Deed Document Number	20203536
Last Transfer Date	Nov 5, 2025
Transfer Doc	0202506078
Record Updated	Oct 29, 2026

November 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	DE KALB IN
Recording Date	Nov 18, 2025
Property Address	4334 COUNTY ROAD 10, WATERLOO, IN 46793-9762
Document Number	0202506078
Instrument Date	Nov 5, 2025
Instrument	202506078
Transaction Type	Transfer
Record Updated	Dec 2, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4334 COUNTY ROAD 10, WATERLOO, IN 46793-9762

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	4334 COUNTY ROAD 10, WATERLOO, IN 46793-9762
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201801201
Date	Mar 12, 2018
Instrument	201801201

Lender

Name	BEACON CU
Type	Credit Union
Address	WABASH, IN 46992

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2038

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	4334 COUNTY ROAD 10, WATERLOO, IN 46793-9762
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201802585
Date	May 23, 2018
Instrument	201802585

Lender

Name	BEACON CU
Type	Credit Union
Address	GARRETT, IN 46738

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	May 18, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	4334 COUNTY ROAD 10, WATERLOO, IN 46793-9762
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201903669
Date	Aug 6, 2019
Instrument	201903669

Lender

Name	USDA
Type	Government Agency
Address	COLUMBIA CITY, IN 46725

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 5, 2039

Interest

Rate	1.5%

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	4334 COUNTY ROAD 10, WATERLOO, IN 46793-9762
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201805015
Date	Sep 26, 2018
Instrument	201805015

Lender

Name	BEACON CU
Type	Credit Union
Address	WABASH, IN 46992

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 22, 2028

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Jun 22, 2020
Property Address	4334 COUNTY ROAD 10, WATERLOO, IN 46793-9762
Document Number	0202003536
Instrument Date	Jun 18, 2020
Instrument	202003536
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4334 COUNTY ROAD 10, WATERLOO, IN 46793-9762

Mortgage

Document Number	0202003537
Date	Jun 22, 2020
Instrument	202003537

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.34%
Type Change Date	Jul 1, 2026
Change Frequency	Annually
Min Rate At Change	3.99%
Max Rate At Change	5.34%
Index	1-Year CMT
Max Rate	9.34%

Tax Assessment & Valuation

The 2025 property tax bill for 4334 Co Rd 10 was $838, down 32.5% 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	$838.00 (-32.47%)	$190,500 (+4.38%) Land $34,300 Building $156,200	$190,500 (+4.38%) Land $34,300 Building $156,200
2024	$1,241.00 (+62.86%)	$182,500 (+4.58%) Land $33,000 Building $149,500	$182,500 (+4.58%) Land $33,000 Building $149,500
2023	$762.00 (+2.83%)	$174,500 (+13.53%) Land $31,000 Building $143,500	$174,500 (+13.53%) Land $31,000 Building $143,500
2022	$741.00	$153,700 Land $27,000 Building $126,700	$153,700 Land $27,000 Building $126,700

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

Flood

FEMA maps place 4334 Co Rd 10 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 4334 Co Rd 10 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 99.1% of the US · lower than 94% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
MetaLINK Technologies Fixed Wireless	500 / 100
Lakeland Internet Fixed Wireless	500 / 100
Mercury Fiber Fixed Wireless	150 / 20
Watch TV Fixed Wireless	100 / 20
AT&T Fixed Wireless	25 / 3

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Co Rd 10

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