550 S Wayne St, Waterloo, IN 46793 Property Records

DeKalb County property record for 550 S Wayne St, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,276 sqft · built 1960
Lot Size	0.182 acres (7,928 sqft)
Owner	Individual Name on Record
Last Sale	$126,400 (Aug 2020)
Tax Bill	$896 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-06-03-380-005.000-008`

Property Details

APN / Parcel Number

Primary APN	`17-06-03-380-005.000-008`
Alternative APN	`310603380005`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,276 sqft Living Area
1st Floor Area	1,276 sqft
Basement Area	638 sqft
Unfinished Basement	638 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Construction Type	Wood
Roof Material	Asphalt
Lot Area	7,928 sqft (0.182 acres)
Lot Dimensions	132 ft deep x 60 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	310603380005
Street Address	550 S WAYNE ST
City	WATERLOO
State	IN
Zip	46793-9432
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FROTH ADD LOT 13
Legal Subdivision	FROTHINGHAM AND COS FIRST ADDITION
Legal Lot Number	13
Jurisdiction	DE KALB IN
Township / Civil Division	GRANT
Census Block Group	1
Census Block	1049
Census Tract	20200

Owner

Source: DeKalb County records, as of June 19, 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	550 S WAYNE ST, WATERLOO, IN 46793-9432
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 5, 2020	Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC
Jun 7, 2019	Special Warranty Deed, Transfer
Feb 4, 2019	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2020 · Amount on Record
Deed Sale	Aug 5, 2020 · Amount on Record
Prior Sale	Jun 7, 2019 · Amount on Record
Deed Document Number	20204752
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	550 S WAYNE ST, WATERLOO, IN 46793-9432
Transaction Type	Mortgage
Record Updated	Mar 11, 2026
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 S WAYNE ST, WATERLOO, IN 46793-9432

Mortgage

Document Number	0202600885
Date	Feb 25, 2026
Instrument	202600885

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	951 W YAMATO RD, BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	295 Months
Due	Sep 1, 2050

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Aug 5, 2020
Property Address	550 S WAYNE ST, WATERLOO, IN 46793-9432
Document Number	0202004752
Instrument Date	Aug 3, 2020
Instrument	202004752
Transaction Type	Transfer
Record Updated	Aug 8, 2022

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 S WAYNE ST, WATERLOO, IN 46793-9432

Mortgage

Document Number	0202004753
Date	Aug 5, 2020
Instrument	202004753

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

June 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Jun 7, 2019
Property Address	550 S WAYNE ST, WATERLOO, IN 46793-9432
Document Number	0201902527
Instrument Date	May 2, 2019
Instrument	201902527
Transaction Type	Transfer
Record Updated	Aug 8, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1600 E SOUTH ST DOUGLASS RD130A, 1600, ANAHEIM, CA 92805-4903

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 S WAYNE ST, HAMILTON, IN 46742-9752
Investor	Possibly a Property Investor

February 2019: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	DE KALB IN
Recording Date	Feb 4, 2019
Property Address	550 S WAYNE ST, WATERLOO, IN 46793-9432
Document Number	0201900520
Instrument Date	Jan 24, 2019
Instrument	201900520
Transaction Type	Foreclosure
Record Updated	Aug 8, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1600 S DOUGLASS RD # 200-A, 200, ANAHEIM, CA 92806-5951

Tax Assessment & Valuation

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	$896.00 (-9.22%)	$116,900 (-0.51%) Land $22,000 Building $94,900	$116,900 (-0.51%) Land $22,000 Building $94,900
2024	$987.00 (+17.92%)	$117,500 (+7.11%) Land $22,000 Building $95,500	$117,500 (+7.11%) Land $22,000 Building $95,500
2023	$837.00 (-9.02%)	$109,700 (+7.34%) Land $20,300 Building $89,400	$109,700 (+7.34%) Land $20,300 Building $89,400
2022	$920.00	$102,200 Land $19,200 Building $83,000	$102,200 Land $19,200 Building $83,000

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 Claims	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2001

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	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 303 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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