485 N Wayne St, Waterloo, IN 46793 Property Records

DeKalb County property record for 485 N Wayne St, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,020 sqft · built 1960
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$140,500 (Nov 2023)
Tax Bill	$902 (2025)
Deeds & Mortgages	Nov 2023 Second Mortgage Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-06-03-155-006.000-008`

Property Details

APN / Parcel Number

Primary APN	`17-06-03-155-006.000-008`
Alternative APN	`310603155006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,020 sqft Living Area
1st Floor Area	2,020 sqft
Basement Area	560 sqft
Unfinished Basement	560 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	132 ft deep x 56 ft wide
Garage Type	Attached
Garage Area	924 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	310603155006
Street Address	485 N WAYNE ST
City	WATERLOO
State	IN
Zip	46793-9380
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	R 1ST ADD LOT 13
Legal Subdivision	R 1ST ADD
Legal Lot Number	13
Jurisdiction	DE KALB IN
Township / Civil Division	GRANT
Census Block Group	2
Census Block	2033
Census Tract	20200

Owner

Source: DeKalb County records, as of July 21, 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	485 N WAYNE ST, WATERLOO, IN 46793-9380
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage INDIANA HOUSING & COMMUNITY DEVELOPMENT
Nov 3, 2023	Warranty Deed, Transfer · FHA Mortgage GVC MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2023 · Amount on Record
Deed Sale	Nov 3, 2023 · Amount on Record
Deed Document Number	20235604
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	485 N WAYNE ST, WATERLOO, IN 46793-9380
Transaction Type	Mortgage
Record Updated	Dec 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202305606
Date	Nov 3, 2023
Instrument	202305606

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	108 Months
Due	Nov 1, 2032

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Nov 3, 2023
Property Address	485 N WAYNE ST, WATERLOO, IN 46793-9380
Document Number	0202305604
Instrument Date	Nov 1, 2023
Instrument	202305604
Transaction Type	Transfer
Record Updated	Dec 15, 2023

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	485 N WAYNE ST, WATERLOO, IN 46793-9380

Mortgage

Document Number	0202305605
Date	Nov 3, 2023
Instrument	202305605

Lender

Name	GVC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Tax Assessment & Valuation

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	$902.00 (-1.1%)	$117,800 (+4.99%) Land $16,100 Building $101,700	$117,800 (+4.99%) Land $16,100 Building $101,700
2024	$912.00 (+338.46%)	$112,200 (+7.37%) Land $15,300 Building $96,900	$112,200 (+7.37%) Land $15,300 Building $96,900
2023	$208.00 (+1.96%)	$104,500 (+4.08%) Land $14,100 Building $90,400	$104,500 (+4.08%) Land $14,100 Building $90,400
2022	$204.00	$100,400 Land $13,300 Building $87,100	$100,400 Land $13,300 Building $87,100

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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.

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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