495 Lockhart St, Waterloo, IN 46793 Property Records

DeKalb County property record for 495 Lockhart St, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,056 sqft · built 1966
Lot Size	0.181 acres (7,884 sqft)
Owner	2 Individual Names on File
Last Sale	$203,700 (Oct 2025)
Tax Bill	$761 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2025 Sale & Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-06-03-153-001.000-008`

Property Details

APN / Parcel Number

Primary APN	`17-06-03-153-001.000-008`
Alternative APN	`310603153001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
1st Floor Area	1,056 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1990
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	7,884 sqft (0.181 acres)
Lot Dimensions	141 ft deep x 56 ft wide
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	310603153001
Street Address	495 LOCKHART ST
City	WATERLOO
State	IN
Zip	46793-9570
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	R M & W C LOCKHART'S 1ST ADDITION LOT 14
Legal Subdivision	LOCKHARTS 1ST ADD
Legal Lot Number	14
Jurisdiction	DE KALB IN
Township / Civil Division	GRANT
Census Block Group	2
Census Block	2035
Census Tract	20200

Owner

495 Lockhart St is owned and occupied by two individuals who bought it in October 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	495 LOCKHART ST, WATERLOO, IN 46793-9570
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Oct 31, 2025	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 31, 2025	Warranty Deed, Transfer · Stand-Alone Second Mortgage FORT WAYNE HOUSING AUTHORITY
Dec 8, 2021	Warranty Deed, Transfer · Conventional Mortgage VAN DYK MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2025 · Amount on File
Deed Sale	Oct 31, 2025 · Amount on File
Prior Sale	Dec 8, 2021 · Amount on File
Deed Document Number	20255624
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	495 LOCKHART ST, WATERLOO, IN 46793-9570
Transaction Type	Mortgage
Record Updated	Feb 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	924 W KING ST, GARRETT, IN 46738-1208

Mortgage

Document Number	0202505625
Date	Oct 31, 2025
Instrument	202505625

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	4201 MARSH LN, CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2055

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Oct 31, 2025
Property Address	495 LOCKHART ST, WATERLOO, IN 46793-9570
Document Number	0202505624
Map Reference	REC 3 PG 49
Instrument Date	Oct 1, 2025
Instrument	202505624
Transaction Type	Transfer
Record Updated	Nov 28, 2025
Title Company	NEAR NORTH TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	495 LOCKNART ST, WATERLOO, IN 46793-9570

Mortgage

Document Number	0202505626
Date	Oct 31, 2025
Instrument	202505626

Lender

Name	FORT WAYNE HOUSING AUTHORITY
Type	Private Party
Address	7315 HANNA ST, FORT WAYNE, IN 46816

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	85 Months
Due	Nov 1, 2032

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Dec 8, 2021
Property Address	495 LOCKHART ST, WATERLOO, IN 46793-9570
Document Number	0202109042
Map Reference	PL 3 PG 49
Instrument Date	Nov 30, 2021
Instrument	202109042
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 LOCKHART ST, WATERLOO, IN 46793-9570

Mortgage

Document Number	0202109043
Date	Dec 8, 2021
Instrument	202109043

Lender

Name	VAN DYK MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 495 Lockhart St was $761, down 1.6% 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	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	$761.00 (-1.55%)	$107,200 (+4.79%) Land $14,900 Building $92,300	$107,200 (+4.79%) Land $14,900 Building $92,300
2024	$773.00 (+20.97%)	$102,300 (+7.35%) Land $14,200 Building $88,100	$102,300 (+7.35%) Land $14,200 Building $88,100
2023	$639.00 (-7.26%)	$95,300 (+3.25%) Land $13,100 Building $82,200	$95,300 (+3.25%) Land $13,100 Building $82,200
2022	$689.00	$92,300 Land $12,300 Building $80,000	$92,300 Land $12,300 Building $80,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 495 Lockhart 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 495 Lockhart 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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