4840 Co Rd 4, Waterloo, IN 46793 Property Records

DeKalb County property record for 4840 Co Rd 4, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 3,056 sqft · built 1942
Lot Size	11.3 acres (494,406 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Jul 2016)
Tax Bill	$3,040 (2025)
Deeds & Mortgages	Jun 2008 Mortgage Aug 2012 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`17-03-07-100-005.000-005`

Property Details

APN / Parcel Number

Primary APN	`17-03-07-100-005.000-005`
Alternative APN	`040307100005`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,056 sqft Living Area
1st Floor Area	3,056 sqft
Basement Area	974 sqft
Unfinished Basement	974 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1990
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	494,406 sqft (11.3 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	1,280 sqft
Parking Spaces	4 Parking Spaces
Shed	1 Shed
Shed Area	100 sqft
Lean-To	1,584 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	040307100005
Street Address	4840 COUNTY ROAD 4
City	WATERLOO
State	IN
Zip	46793-9770
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT W FRL1/2 NW1/4 SECTION 7 TWP 35 RANGE 14 ACRES 11.35
Jurisdiction	DE KALB IN
Township / Civil Division	FRANKLIN
Census Block Group	3
Census Block	3016
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	4840 COUNTY ROAD 4, WATERLOO, IN 46793-9770
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2008	Deed of Trust, Mortgage · Conventional Mortgage WACHOVIA MORTGAGE FSB
Aug 9, 2012	Deed of Trust, Mortgage · FHA Mortgage RUOFF MORTGAGE COMPANY INC
Feb 28, 2007	Deed of Trust, Mortgage · Conventional Mortgage COUNTRYWIDE HOME LOANS INC
Nov 18, 2025	Warranty Deed, Transfer · Commercial Mortgage FARMERS STATE BANK
Nov 18, 2025	Warranty Deed, Transfer · Commercial Mortgage FARMERS STATE BANK
Jul 27, 2016	Intrafamily Transfer, Transfer · Conventional Mortgage AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2016 · Amount on Record
Deed Sale	Jul 27, 2016 · Amount on Record
Deed Document Number	20164047
Record Updated	Oct 29, 2026

June 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	4840 COUNTY ROAD 4, WATERLOO, IN 46793-9770
Transaction Type	Mortgage
Record Updated	Feb 13, 2026
Title Company	LSI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020803297
Date	Jun 4, 2008
Instrument	20803297

Lender

Name	WACHOVIA MORTGAGE FSB
Type	Bank
Address	RALEIGH, NC 27607

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	May 1, 2023

August 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	4840 COUNTY ROAD 4, WATERLOO, IN 46793-9770
Transaction Type	Mortgage
Record Updated	Feb 13, 2026
Title Company	TRADEMARK TITLE INC, TRADEMARK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201204752
Date	Aug 9, 2012
Instrument	201204752

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46825

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2027

February 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	4840 COUNTY ROAD 4, WATERLOO, IN 46793-9770
Transaction Type	Mortgage
Record Updated	Feb 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020701318
Date	Feb 28, 2007
Instrument	20701318

Lender

Name	COUNTRYWIDE HOME LOANS INC
Type	Lending Institution
Address	CALABASAS, CA 91302

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2022

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Nov 18, 2025
Property Address	4840 COUNTY ROAD 4, WATERLOO, IN 46793-9770
Document Number	0202506056
Instrument Date	Nov 14, 2025
Instrument	202506056
Transaction Type	Transfer
Record Updated	Dec 2, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4840 COUNTY ROAD 4, WATERLOO, IN 46793-9770

Mortgage

Document Number	0202506057
Date	Nov 18, 2025
Instrument	202506057

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 14, 2040

Interest

Rate Type	Adjustable Rate

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Nov 18, 2025
Property Address	4840 COUNTY ROAD 4, WATERLOO, IN 46793-9770
Document Number	0202506056
Instrument Date	Nov 14, 2025
Instrument	202506056
Transaction Type	Transfer
Record Updated	Feb 13, 2026

Transaction

Amount	Amount Recorded
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	4840 COUNTY ROAD 4, WATERLOO, IN 46793-9770

Mortgage

Document Number	0202506057
Date	Nov 18, 2025
Instrument	202506057

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 14, 2040

Interest

Rate Type	Adjustable Rate

July 2016: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DE KALB IN
Recording Date	Jul 27, 2016
Property Address	4840 COUNTY ROAD 4, WATERLOO, IN 46793-9770
Document Number	0201604047
Map Reference	DOC20700352
Instrument Date	Apr 14, 2016
Instrument	201604047
Transaction Type	Transfer
Record Updated	Feb 13, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4840 COUNTY ROAD 4, WATERLOO, IN 46793-9770

Mortgage

Document Number	0201604048
Date	Jul 27, 2016
Instrument	201604048

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: DeKalb County assessment roll, as of June 19, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	DeKalb County
County Subdivision	Franklin Township
Unified School District	Hamilton Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,040.00 (+20.06%)	$474,800 (+31.12%) Land $111,600 Building $363,200	$474,800 (+31.12%) Land $111,600 Building $363,200
2024	$2,532.00 (+6.97%)	$362,100 (+7.13%) Land $101,400 Building $260,700	$362,100 (+7.13%) Land $101,400 Building $260,700
2023	$2,367.00 (+13.58%)	$338,000 (+12.74%) Land $93,900 Building $244,100	$338,000 (+12.74%) Land $93,900 Building $244,100
2022	$2,084.00	$299,800 Land $81,700 Building $218,100	$299,800 Land $81,700 Building $218,100

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 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Lakeland Internet Fixed Wireless	500 / 100
Mercury Fiber Fixed Wireless	150 / 20
MetaLINK Technologies Fixed Wireless	25 / 5

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

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