5041 Co Rd 22, Waterloo, IN 46793 Property Records

DeKalb County property record for 5041 Co Rd 22, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,536 sqft · built 2001
Lot Size	7.07 acres (308,231 sqft)
Owner	Individual Name on Record
Tax Bill	$2,539 (2025)
Deeds & Mortgages	Jun 2018 Line of Credit Dec 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-03-31-200-007.000-005`

Property Details

APN / Parcel Number

Primary APN	`17-03-31-200-007.000-005`
Alternative APN	`040331200007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,536 sqft Living Area
1st Floor Area	1,920 sqft
Basement Area	960 sqft
Finished Basement	960 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Construction Type	Wood
Roof Material	Asphalt
Lot Area	308,231 sqft (7.07 acres)
Terrain	High

Exterior Amenities

Pool Type	Above-Ground Pool
Deck Area	Deck Area
Shed	1 Shed
Shed Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	040331200007
Street Address	5041 COUNTY ROAD 22
City	WATERLOO
State	IN
Zip	46793-9746
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WALNUT ACRES LOT 1 ACRES 7.076
Legal Subdivision	WALNUT ACRES
Legal Lot Number	1
Jurisdiction	DE KALB IN
Township / Civil Division	FRANKLIN
Census Block Group	3
Census Block	3063
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	5041 COUNTY ROAD 22, WATERLOO, IN 46793-9746
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2018	Deed of Trust, Mortgage · Line of Credit THREE RIVERS FCU
Dec 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage THREE RIVERS FCU
Feb 5, 2021	Deed of Trust, Mortgage · Line of Credit THREE RIVERS FCU
Feb 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage THREE RIVERS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 2, 2008
Transfer Doc	201100535
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	5041 COUNTY ROAD 22, WATERLOO, IN 46793-9746
Transaction Type	Mortgage
Record Updated	Nov 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201803148
Date	Jun 22, 2018
Instrument	201803148

Lender

Name	THREE RIVERS FCU
Type	Credit Union
Address	FORT WAYNE, IN 46825

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 18, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	5041 COUNTY ROAD 22, WATERLOO, IN 46793-9746
Transaction Type	Mortgage
Record Updated	Nov 26, 2021
Title Company	METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE OF IN LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201906521
Date	Dec 18, 2019
Instrument	201906521

Lender

Name	THREE RIVERS FCU
Type	Credit Union
Address	FORT WAYNE, IN 46825

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	5041 COUNTY ROAD 22, WATERLOO, IN 46793-9746
Transaction Type	Mortgage
Record Updated	Nov 26, 2021
Title Company	TRADEMARK TITLE INC, TRADEMARK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100860
Date	Feb 5, 2021
Instrument	202100860

Lender

Name	THREE RIVERS FCU
Type	Credit Union
Address	FORT WAYNE, IN 46825

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Jan 15, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	5041 COUNTY ROAD 22, WATERLOO, IN 46793-9746
Transaction Type	Mortgage
Record Updated	Nov 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100846
Date	Feb 4, 2021
Instrument	202100846

Lender

Name	THREE RIVERS FCU
Type	Credit Union
Address	FORT WAYNE, IN 46825

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

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	$2,539.00 (+15.25%)	$389,200 (+7.72%) Land $82,300 Building $306,900	$389,200 (+7.72%) Land $82,300 Building $306,900
2024	$2,203.00 (-2.61%)	$361,300 (+5.58%) Land $74,800 Building $286,500	$361,300 (+5.58%) Land $74,800 Building $286,500
2023	$2,262.00 (+7.61%)	$342,200 (+11.68%) Land $69,300 Building $272,900	$342,200 (+11.68%) Land $69,300 Building $272,900
2022	$2,102.00	$306,400 Land $60,200 Building $246,200	$306,400 Land $60,200 Building $246,200

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	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
MetaLINK Technologies Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
Lakeland Internet Fixed Wireless	100 / 20
Watch TV Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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