5052 Co Rd 16, Waterloo, IN 46793 Property Records

DeKalb County property record for 5052 Co Rd 16, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,478 sqft · built 1998
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Tax Bill	$2,644 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-03-30-200-008.000-005`

Property Details

APN / Parcel Number

Primary APN	`17-03-30-200-008.000-005`
Alternative APN	`040330200008`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,478 sqft Living Area
1st Floor Area	1,478 sqft
Basement Area	1,478 sqft
Finished Basement	1,256 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2005
Construction Type	Wood
Roof Material	Asphalt
Lot Area	217,800 sqft (5 acres)
Garage Type	Mixed
Garage Area	2,688 sqft
Parking Spaces	9 Parking Spaces

Exterior Amenities

Pool Area	648 sqft
Shed	1 Shed
Shed Area	96 sqft
Bath House	144 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	040330200008
Street Address	5052 COUNTY ROAD 16
City	WATERLOO
State	IN
Zip	46793-9751
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DIRCKSENS ESTATE LOT 1 ACRES 5.00 30 - 35 - 14
Legal Subdivision	DIRCKSENS ESTATE
Legal Lot Number	1
Jurisdiction	DE KALB IN
Township / Civil Division	FRANKLIN
Census Block Group	3
Census Block	3032
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	5052 COUNTY ROAD 16, WATERLOO, IN 46793-9751
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2023	Deed of Trust, Mortgage · Line of Credit HORIZON BANK
Mar 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage HORIZON BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	5052 COUNTY ROAD 16, WATERLOO, IN 46793-9751
Transaction Type	Mortgage
Record Updated	Feb 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5052 COUNTY ROAD 16, WATERLOO, IN 46793-9751

Mortgage

Document Number	0202300312
Date	Jan 25, 2023
Instrument	202300312

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 9, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	5052 COUNTY ROAD 16, WATERLOO, IN 46793-9751
Transaction Type	Mortgage
Record Updated	Mar 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201801141
Date	Mar 8, 2018
Instrument	201801141

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2038

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	$2,644.00 (+16.22%)	$455,600 (+17.42%) Land $65,900 Building $389,700	$455,600 (+17.42%) Land $65,900 Building $389,700
2024	$2,275.00 (+6.66%)	$388,000 (+3.22%) Land $59,900 Building $328,100	$388,000 (+3.22%) Land $59,900 Building $328,100
2023	$2,133.00 (-11.31%)	$375,900 (+9.72%) Land $55,400 Building $320,500	$375,900 (+9.72%) Land $55,400 Building $320,500
2022	$2,405.00	$342,600 Land $48,200 Building $294,400	$342,600 Land $48,200 Building $294,400

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 · above 40% 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
MetaLINK Technologies Fixed Wireless	500 / 100
Lakeland Internet Fixed Wireless	100 / 20
Watch TV Fixed Wireless	100 / 20
Verizon Fixed Wireless	25 / 6

May also be available: Mercury Fiber, T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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