DeKalb County property record for 537 Co Rd 45, Waterloo, IN 46793
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 2 ba · 3,526 sqft · built 1950 |
| Lot Size | 38.8 acres (1,690,564 sqft) |
| Owner | Company Name on File |
| Last Sale | $651,800 (Oct 2022) |
| Tax Bill | $2,475 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-02-12-200-001.000-018 |
| Primary APN | 17-02-12-200-001.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,526 sqft Living Area |
| 1st Floor Area | 3,526 sqft |
| Basement Area | 2,256 sqft |
| Unfinished Basement | 2,256 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Material | Metal |
| Lot Area | 1,690,564 sqft (38.8 acres) |
| Granary | Granary |
| Milk House | 80 sqft |
| Heating System | Central |
|---|
| Account Number | 100212200001 |
|---|---|
| Street Address | 537 COUNTY ROAD 45 |
| City | WATERLOO |
| State | IN |
| Zip | 46793 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | NW1/4 NE1/4 SECTION 12 TWP 35 RANGE 13 ACRES 38.8120 |
| Jurisdiction | DE KALB IN |
| Township / Civil Division | SMITHFIELD |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 20100 |
Source: DeKalb County records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | WATERLOO, IN 46793 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 20, 2022 · Amount on File |
| Deed Sale | Oct 20, 2022 · Amount on File |
| Deed Document Number | 20226675 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DE KALB IN |
| Recording Date | Oct 20, 2022 |
| Property Address | 537 COUNTY ROAD 45, WATERLOO, IN 46793 |
| Document Number | 0202206675 |
| Instrument Date | Oct 17, 2022 |
| Instrument | 202206675 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2023 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | IN |
| Name | Verified Name |
|---|---|
| Address | 4094 COUNTY ROAD 12, WATERLOO, IN 46793-9714 |
| Document Number | 0202206676 |
|---|---|
| Date | Oct 20, 2022 |
| Instrument | 202206676 |
| Name | THE FARMERS & MERCHANTS STATE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 233 Months |
| Due | Mar 15, 2042 |
| Rate Type | Adjustable Rate |
|---|
Source: DeKalb County assessment roll, as of June 19, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | DeKalb County |
| County Subdivision | Smithfield Township |
| Unified School District | DeKalb County Central United School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,475.00 (-11.67%) | $244,600 (-1.05%) Land $103,000 Building $141,600 | $244,600 (-1.05%) Land $103,000 Building $141,600 |
| 2024 | $2,802.00 (+0.79%) | $247,200 (+6.92%) Land $98,700 Building $148,500 | $247,200 (+6.92%) Land $98,700 Building $148,500 |
| 2023 | $2,780.00 (+18.96%) | $231,200 (+20.04%) Land $85,900 Building $145,300 | $231,200 (+20.04%) Land $85,900 Building $145,300 |
| 2022 | $2,337.00 | $192,600 Land $70,900 Building $121,700 | $192,600 Land $70,900 Building $121,700 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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.
Source: FCC Broadband Data Collection, as of December 31, 2025
5G (outdoors only) and 4G LTE
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