598 Co Rd 45, Waterloo, IN 46793 Property Records

DeKalb County property record for 598 Co Rd 45, Waterloo, IN 46793

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 1,936 sqft · built 1980
Lot Size	17.1 acres (748,753 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,089 (2025)
Deeds & Mortgages	Oct 2022 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`17-02-12-100-006.000-018`

Property Details

APN / Parcel Number

Primary APN	`17-02-12-100-006.000-018`
Alternative APN	`100212100006`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,936 sqft Living Area
1st Floor Area	968 sqft
Attic	Attic
Attic Area	1,936 sqft
Basement Area	968 sqft
Unfinished Basement	968 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Wood
Roof Material	Other
Lot Area	748,753 sqft (17.1 acres)
Terrain	Rolling
Pool Type	Above-Ground Pool
Lean-To	480 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	100212100006
Street Address	598 COUNTY ROAD 45
City	WATERLOO
State	IN
Zip	46793-9769
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	NE1/4 NW1/4 SECTION 12 TWP 35 RANGE 13 ACRES 17.189
Jurisdiction	DE KALB IN
Township / Civil Division	SMITHFIELD
Census Block Group	3
Census Block	3013
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	2 Individual Names on Record
Mailing Address	598 COUNTY ROAD 45, WATERLOO, IN 46793-9769
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2022
Deed Sale	Jun 9, 2022
Deed Document Number	20223574
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	598 COUNTY ROAD 45, WATERLOO, IN 46793-9769
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6722 COUNTY ROAD 31 OR, OR, AUBURN, IN 46706-9635

Mortgage

Document Number	0202206237
Date	Oct 5, 2022
Instrument	202206237

Lender

Name	THREE RIVERS FCU
Type	Credit Union
Address	FORT WAYNE, IN 46815

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	370 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Aug 1, 2033
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.87%
Index	1-Year CMT
Max Rate	9.87%

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	$1,089.00 (-15.91%)	$233,800 (+3.13%) Land $49,400 Building $184,400	$233,800 (+3.13%) Land $49,400 Building $184,400
2024	$1,295.00 (+4.6%)	$226,700 (+5.64%) Land $47,500 Building $179,200	$226,700 (+5.64%) Land $47,500 Building $179,200
2023	$1,238.00 (+3.25%)	$214,600 (+14.27%) Land $43,200 Building $171,400	$214,600 (+14.27%) Land $43,200 Building $171,400
2022	$1,199.00	$187,800 Land $37,200 Building $150,600	$187,800 Land $37,200 Building $150,600

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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Lakeland Internet Fixed Wireless	100 / 20
MetaLINK Technologies Fixed Wireless	25 / 5

May also be available: Mercury Fiber, Watch TV.

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