5097 Co Rd 10, Waterloo, IN 46793 Property Records

DeKalb County property record for 5097 Co Rd 10, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,575 sqft · built 1970
Lot Size	1.48 acres (64,469 sqft)
Owner	Individual Name on File
Last Sale	$154,147 (Sep 2023)
Tax Bill	$713 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Sep 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`17-03-18-200-002.000-005`

Property Details

APN / Parcel Number

Primary APN	`17-03-18-200-002.000-005`
Alternative APN	`040318200002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,575 sqft Living Area
1st Floor Area	1,575 sqft
Basement Area	945 sqft
Unfinished Basement	945 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	64,469 sqft (1.48 acres)
Garage Type	Detached
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces
Pool Type	Above-Ground Pool
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	040318200002
Street Address	5097 COUNTY ROAD 10
City	WATERLOO
State	IN
Zip	46793-9346
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF W PT NE1/4 SECTION 18 TWP 35 RANGE 14 ACRES 1.4800
Jurisdiction	DE KALB IN
Township / Civil Division	FRANKLIN
Census Block Group	3
Census Block	3021
Census Tract	20100

Owner

5097 Co Rd 10 is owned and occupied by an individual who bought it in September 2023.

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

Owner of Record	Individual Name on File
Mailing Address	5097 COUNTY ROAD 10, WATERLOO, IN 46793-9346
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 15, 2023	Deed of Trust, Mortgage · Conventional Mortgage GVC MORTGAGE INC
Sep 15, 2023	Correction Deed

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2023 · Amount on File
Deed Sale	Sep 15, 2023 · Amount on File
Deed Document Number	20234718
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	5097 COUNTY ROAD 10, WATERLOO, IN 46793
Transaction Type	Mortgage
Record Updated	Dec 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7780 S 575 W, HUDSON, IN 46747-9502

Mortgage

Document Number	0202304719
Date	Sep 15, 2023
Instrument	202304719

Lender

Name	GVC MORTGAGE INC
Type	Mortgage Company
Address	PENDLETON, IN 46064

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

September 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	DE KALB IN
Recording Date	Sep 15, 2023
Property Address	5097 COUNTY ROAD 10, WATERLOO, IN 46793
Document Number	0202304717
Instrument Date	Sep 15, 2023
Instrument	202304717
Record Updated	Nov 24, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	IN

Tax Assessment & Valuation

The 2025 property tax bill for 5097 Co Rd 10 was $713, up 13.7% 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	Franklin Township
Unified School District	Hamilton Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$713.00 (+13.72%)	$165,300 (+10.49%) Land $36,400 Building $128,900	$165,300 (+10.49%) Land $36,400 Building $128,900
2024	$627.00 (+0.97%)	$149,600 (-0.93%) Land $33,100 Building $116,500	$149,600 (-0.93%) Land $33,100 Building $116,500
2023	$621.00 (-15.51%)	$151,000 (+10.95%) Land $30,600 Building $120,400	$151,000 (+10.95%) Land $30,600 Building $120,400
2022	$735.00 (-13.73%)	$136,100 Land $26,600 Building $109,500	$136,100 Land $26,600 Building $109,500
2021	$852.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5097 Co Rd 10 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2009.

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

Wildfire risk around 5097 Co Rd 10 is low, with less than a 0.01% annual chance of 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Watch TV.

Cell Coverage

5G (outdoors only) and 4G LTE

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