449 Co Rd 39, Waterloo, IN 46793 Property Records

DeKalb County property record for 449 Co Rd 39, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,392 sqft · built 1978
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Feb 2022)
Tax Bill	$1,677 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-02-03-400-004.000-018`

Property Details

APN / Parcel Number

Primary APN	`17-02-03-400-004.000-018`
Alternative APN	`100203400004`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,392 sqft Living Area
1st Floor Area	2,392 sqft
Basement Area	1,794 sqft
Unfinished Basement	1,794 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1986
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	130,680 sqft (3 acres)
Garage Type	Mixed
Garage Area	1,976 sqft
Parking Spaces	7 Parking Spaces
Pool Area	512 sqft
Shed	1 Shed
Shed Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Account Number	100203400004
Street Address	449 COUNTY ROAD 39
City	WATERLOO
State	IN
Zip	46793-9777
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT S1/2 SE1/4 SECTION 3 TWP 35 RANGE 13 ACRES 3.0000
Jurisdiction	DE KALB IN
Township / Civil Division	SMITHFIELD
Census Block Group	3
Census Block	3005
Census Tract	20100

Owner

Source: DeKalb County records, as of October 13, 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	449 COUNTY ROAD 39, WATERLOO, IN 46793-9777
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 11, 2022 · Amount on Record
Deed Sale	Feb 11, 2022 · Amount on Record
Prior Sale	Sep 6, 2016 · Amount on Record
Deed Document Number	2022907
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Feb 11, 2022
Property Address	449 COUNTY ROAD 39, WATERLOO, IN 46793-9777
Document Number	0202200907
Instrument Date	Feb 9, 2022
Instrument	202200907
Transaction Type	Transfer
Record Updated	May 19, 2023
Title Company	TRADEMARK TITLE INC, TRADEMARK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	449 COUNTY ROAD 39, WATERLOO, IN 46793-9777

Mortgage

Document Number	0202200908
Date	Feb 11, 2022
Instrument	202200908

Lender

Name	GVC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

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	$1,677.00 (-1.47%)	$356,700 (+4.88%) Land $44,000 Building $312,700	$356,700 (+4.88%) Land $44,000 Building $312,700
2024	$1,702.00 (+7.65%)	$340,100 (+4.39%) Land $42,300 Building $297,800	$340,100 (+4.39%) Land $42,300 Building $297,800
2023	$1,581.00 (-13.7%)	$325,800 (+12.5%) Land $39,900 Building $285,900	$325,800 (+12.5%) Land $39,900 Building $285,900
2022	$1,832.00	$289,600 Land $34,700 Building $254,900	$289,600 Land $34,700 Building $254,900

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
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

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.

Internet Providers

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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