459 Co Rd 39, Waterloo, IN 46793 Property Records

DeKalb County property record for 459 Co Rd 39, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,008 sqft · built 1995
Lot Size	1.69 acres (73,834 sqft)
Owner	Individual Name on File
Last Sale	$278,600 (Oct 2020)
Tax Bill	$1,670 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Jul 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`17-02-03-400-007.000-018`

Property Details

APN / Parcel Number

Primary APN	`17-02-03-400-007.000-018`
Alternative APN	`100203400007`

Interior

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	3,008 sqft Living Area
1st Floor Area	2,476 sqft
Attic	Attic
Attic Area	1,064 sqft
Basement Area	1,350 sqft
Unfinished Basement	1,350 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	73,834 sqft (1.69 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	667 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	100203400007
Street Address	459 COUNTY ROAD 39
City	WATERLOO
State	IN
Zip	46793-9777
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEHMAN ACRES LOT 1 ACRES 1.695
Legal Subdivision	LEHMAN ACRES
Legal Lot Number	1
Jurisdiction	DE KALB IN
Township / Civil Division	SMITHFIELD
Census Block Group	3
Census Block	3005
Census Tract	20100

Owner

459 Co Rd 39 is owned and occupied by an individual who bought it in October 2020.

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

Owner of Record	Individual Name on File
Mailing Address	459 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.

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2023	Deed of Trust, Mortgage INDIANA HOUSING & COMMUNITY DEVELOPMENT
Jul 13, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 19, 2020	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL CO LLC
Oct 19, 2020	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL CO LLC
Oct 19, 2020	Warranty Deed, Transfer · FHA Mortgage PEOPLES BANK
Jun 15, 2018	Intrafamily Transfer, Transfer · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2020 · Amount on File
Deed Sale	Oct 19, 2020 · Amount on File
Prior Sale	Oct 19, 2020
Deed Document Number	20206633
Prior Transfer Date	Oct 9, 2020
Prior Transfer Doc	202006631
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	459 COUNTY ROAD 39, WATERLOO, IN 46793-9777
Transaction Type	Mortgage
Record Updated	Apr 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202301559
Date	Apr 3, 2023
Instrument	202301559

Lender

Name	INDIANA HOUSING & COMMUNITY DEVELOPMENT
Type	Government Agency
Address	WATERLOO, IN 46793

Agreement

Amount	Amount on Record

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	459 COUNTY ROAD 39, WATERLOO, IN 46793-9777
Transaction Type	Mortgage
Record Updated	May 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202105130
Date	Jul 13, 2021
Instrument	202105130

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Oct 19, 2020
Property Address	459 COUNTY ROAD 39, WATERLOO, IN 46793-9777
Document Number	202006630
Instrument Date	Oct 9, 2020
Instrument	202006630
Transaction Type	Transfer
Record Updated	Nov 29, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL CO LLC

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	459 COUNTY ROAD 39, WATERLOO, IN 46793-9777

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DE KALB IN
Recording Date	Oct 19, 2020
Property Address	459 COUNTY ROAD 39, WATERLOO, IN 46793-9777
Document Number	202006631
Instrument Date	Oct 9, 2020
Instrument	202006631
Transaction Type	Transfer
Record Updated	Nov 29, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL CO LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	459 COUNTY ROAD 39, WATERLOO, IN 46793-9777

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Oct 19, 2020
Property Address	459 COUNTY ROAD 39, WATERLOO, IN 46793-9777
Document Number	202006633
Map Reference	MB 7 PG 183
Instrument Date	Oct 9, 2020
Instrument	202006633
Transaction Type	Transfer
Record Updated	Nov 29, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL CO LLC

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	459 COUNTY ROAD 39, WATERLOO, IN 46793-9777

Mortgage

Document Number	202006634
Date	Oct 19, 2020
Instrument	202006634

Lender

Name	PEOPLES BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

June 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DE KALB IN
Recording Date	Jun 15, 2018
Property Address	459 COUNTY ROAD 39, WATERLOO, IN 46793-9777
Document Number	201803013
Instrument Date	Jun 8, 2018
Instrument	201803013
Transaction Type	Transfer
Record Updated	Nov 29, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL CO LLC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	459 COUNTY ROAD 39, WATERLOO, IN 46793-9777

Mortgage

Document Number	201803014
Date	Jun 15, 2018
Instrument	201803014

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 459 Co Rd 39 was $1,670, down 3.6% 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	$1,670.00 (-3.58%)	$361,600 (+3.08%) Land $36,800 Building $324,800	$361,600 (+3.08%) Land $36,800 Building $324,800
2024	$1,732.00 (+9.69%)	$350,800 (+4.9%) Land $35,400 Building $315,400	$350,800 (+4.9%) Land $35,400 Building $315,400
2023	$1,579.00 (-3.72%)	$334,400 (+12.9%) Land $33,400 Building $301,000	$334,400 (+12.9%) Land $33,400 Building $301,000
2022	$1,640.00	$296,200 Land $29,000 Building $267,200	$296,200 Land $29,000 Building $267,200

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

Flood

FEMA maps place 459 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

Wildfire risk around 459 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 96% of the US · lower than 73% 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
MetaLINK Technologies Fixed Wireless	500 / 100
Mercury Fiber Fixed Wireless	150 / 20
Lakeland Internet Fixed Wireless	100 / 20

May also be available: AT&T, Brightspeed, Steuben County REMC, Watch TV.

Nearby Properties on Co Rd 39

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures