440 W Union St, Waterloo, IN 46793 Property Records

DeKalb County property record for 440 W Union St, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,140 sqft · built 1955
Lot Size	0.117 acres (5,097 sqft)
Owner	Individual Name on File
Last Sale	$73,100 (Dec 2014)
Tax Bill	$871 (2025)
Deeds & Mortgages	Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-06-03-301-004.000-008`

Property Details

APN / Parcel Number

Primary APN	`17-06-03-301-004.000-008`
Alternative APN	`310603301004`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	14 Rooms
Stories	1 Story
Building Area	2,140 sqft Living Area
1st Floor Area	2,140 sqft
Basement Area	1,312 sqft
Unfinished Basement	1,312 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Duplex Single
Construction Type	Brick
Foundation Type	Raised
Roof Material	Metal
Lot Area	5,097 sqft (0.117 acres)
Lot Dimensions	124 ft deep x 41 ft wide
Shed	1 Shed
Shed Area	168 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	310603301004
Street Address	440 W UNION ST
City	WATERLOO
State	IN
Zip	46793-9371
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L 1ST ADD LOT 17
Legal Subdivision	R M AND W C LOCKHARTS FIRST ADDITION
Legal Lot Number	17
Jurisdiction	DE KALB IN
Township / Civil Division	GRANT
Census Block Group	2
Census Block	2036
Census Tract	20200

Owner

440 W Union St is owned and occupied by an individual who bought it in December 2014.

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

Owner of Record	Individual Name on File
Mailing Address	440 W UNION ST, WATERLOO, IN 46793-9371
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 8, 2014 · Amount on File
Deed Sale	Dec 8, 2014 · Amount on File
Prior Sale	Nov 1, 2012 · Amount on File
Deed Document Number	20145860
Prior Transfer Date	Sep 27, 2012
Prior Transfer Doc	0201206524
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Jun 23, 2021
Property Address	440 W UNION ST, WATERLOO, IN 46793-9371
Document Number	0202104656
Map Reference	PL 3 PG 49
Instrument Date	Jun 11, 2021
Instrument	202104656
Transaction Type	Transfer
Record Updated	Jan 5, 2024
Title Company	TRADEMARK TITLE INC, TRADEMARK TITLE

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 W UNION ST, WATERLOO, IN 46793-9371

Mortgage

Document Number	0202104657
Date	Jun 23, 2021
Instrument	202104657

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 440 W Union St was $871, 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	Grant Township
Municipality	Waterloo Town
Unified School District	DeKalb County Central United School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$871.00 (-1.36%)	$115,100 (+4.54%) Land $11,100 Building $104,000	$115,100 (+4.54%) Land $11,100 Building $104,000
2024	$883.00 (+18.52%)	$110,100 (+7.31%) Land $10,500 Building $99,600	$110,100 (+7.31%) Land $10,500 Building $99,600
2023	$745.00 (+5.08%)	$102,600 (+9.5%) Land $9,700 Building $92,900	$102,600 (+9.5%) Land $9,700 Building $92,900
2022	$709.00	$93,700 Land $9,200 Building $84,500	$93,700 Land $9,200 Building $84,500

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

Flood

FEMA maps place 440 W Union St in Zone X, an area of minimal flood risk.

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

The area around 440 W Union St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 146 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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