576 Co Rd 39, Waterloo, IN 46793 Property Records

DeKalb County property record for 576 Co Rd 39, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,954 sqft · built 2005
Lot Size	8.44 acres (367,646 sqft)
Owner	Individual Name on Record
Tax Bill	$6,667 (2025)
Deeds & Mortgages	Feb 2012 Line of Credit Dec 2009 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17-02-10-200-009.000-018`

Property Details

APN / Parcel Number

Primary APN	`17-02-10-200-009.000-018`
Alternative APN	`100210200009`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,954 sqft Living Area
1st Floor Area	1,954 sqft
Basement Area	1,760 sqft
Finished Basement	440 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Wood
Roof Material	Asphalt
Lot Area	367,646 sqft (8.44 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	1,446 sqft
Parking Spaces	5 Parking Spaces
Deck Area	320 sqft
Shed	1 Shed
Shed Area	256 sqft

Utilities, Heating & Cooling

Heating System	Solar

Location & Zoning

Account Number	100210200009
Street Address	576 COUNTY ROAD 39
City	WATERLOO
State	IN
Zip	46793
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FEE'S ADDITION LOT 1 ACRES 8.44
Legal Subdivision	FEES ADD
Legal Lot Number	1
Jurisdiction	DE KALB IN
Township / Civil Division	SMITHFIELD
Census Block Group	3
Census Block	3011
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	PO BOX 11, WATERLOO, IN 46793-0011
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2012	Deed of Trust, Mortgage · Line of Credit BEACON CU
Dec 1, 2009	Deed of Trust, Mortgage · Conventional Mortgage DEKALB FINANCIAL CU
Jul 3, 2007	Deed of Trust, Mortgage · Line of Credit DEKALB FINANCIAL CU
Dec 2, 2020	Deed of Trust, Mortgage · FHA Mortgage BEACON CU
Dec 2, 2020	Deed of Trust, Mortgage · FHA Mortgage BEACON CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

February 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	576 COUNTY ROAD 39, WATERLOO, IN 46793
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201201110
Date	Feb 28, 2012
Instrument	201201110

Lender

Name	BEACON CU
Address	AUBURN, IN 46706

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 27, 2032

December 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	576 COUNTY ROAD 39, WATERLOO, IN 46793
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200907055
Date	Dec 1, 2009
Instrument	200907055

Lender

Name	DEKALB FINANCIAL CU
Address	AUBURN, IN 46706

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 30, 2019

July 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	576 COUNTY ROAD 39, WATERLOO, IN 46793
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020704262
Date	Jul 3, 2007
Instrument	20704262

Lender

Name	DEKALB FINANCIAL CU
Address	AUBURN, IN 46706

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 2, 2017

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	576 COUNTY ROAD 39, WATERLOO, IN 46793
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	576 COUNTY ROAD, WATERLOO, IN 46793

Mortgage

Document Number	0202007707
Date	Dec 2, 2020
Instrument	202007707

Lender

Name	BEACON CU
Type	Credit Union
Address	WABASH, IN 46992

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	576 COUNTY ROAD 39, WATERLOO, IN 46793
Transaction Type	Mortgage
Record Updated	Nov 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	576 COUNTY ROAD, WATERLOO, IN 46793

Mortgage

Document Number	202007707
Date	Dec 2, 2020
Instrument	202007707

Lender

Name	BEACON CU
Type	Credit Union
Address	WABASH, IN 46992

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: DeKalb County assessment roll, as of June 19, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	DeKalb County
County Subdivision	Smithfield Township
Unified School District	DeKalb County Central United School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,667.00 (+135.25%)	$502,700 (+2.76%) Land $86,400 Building $416,300	$502,700 (+2.76%) Land $86,400 Building $416,300
2024	$2,834.00 (+3.43%)	$489,200 (+3.1%) Land $83,100 Building $406,100	$489,200 (+3.1%) Land $83,100 Building $406,100
2023	$2,740.00 (-0.33%)	$474,500 (+11.94%) Land $78,400 Building $396,100	$474,500 (+11.94%) Land $78,400 Building $396,100
2022	$2,749.00	$423,900 Land $68,200 Building $355,700	$423,900 Land $68,200 Building $355,700

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 · lower than 63% 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 13 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, Brightspeed, Steuben County REMC, Watch TV.

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