615 Cedar St, Waterloo, IN 46793 Property Records

DeKalb County property record for 615 Cedar St, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,272 sqft · built 1959
Lot Size	0.352 acres (15,333 sqft)
Owner	Individual Name on Record
Last Sale	$205,700 (Sep 2022)
Tax Bill	$1,545 (2025)
Deeds & Mortgages	Oct 2020 Reverse Mortgage Jun 2021 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-06-09-234-002.000-008`

Property Details

APN / Parcel Number

Primary APN	`17-06-09-234-002.000-008`
Alternative APN	`310609234002`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,272 sqft Living Area
1st Floor Area	1,272 sqft
Basement Area	1,272 sqft
Unfinished Basement	1,272 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Construction Type	Brick
Roof Material	Asphalt
Lot Area	15,333 sqft (0.352 acres)
Lot Dimensions	184 ft deep x 83 ft wide
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	310609234002
Street Address	615 CEDAR ST
City	WATERLOO
State	IN
Zip	46793-9528
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NE1/4 SECTION 9 TWP 34 RANGE 13 ACRES .352
Jurisdiction	DE KALB IN
Township / Civil Division	GRANT
Census Block Group	3
Census Block	3058
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	615 CEDAR ST, WATERLOO, IN 46793-9528
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2020	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Jun 3, 2021	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Sep 29, 2022	Personal Representative Deed, Transfer · USDA Mortgage VAN DYK MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2022 · Amount on Record
Deed Sale	Sep 29, 2022 · Amount on Record
Deed Document Number	20226142
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	615 CEDAR ST, WATERLOO, IN 46793-9528
Transaction Type	Mortgage
Record Updated	May 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 CEDAR ST, WATERLOO, IN 46793-9528
Investor	Possibly a Property Investor

Mortgage

Document Number	0202006510
Date	Oct 14, 2020
Instrument	202006510

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	961 Months
Due	Nov 26, 2100

Interest

Rate Type	Adjustable Rate
Rate	3.92%
Type Change Date	Aug 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	615 CEDAR ST, WATERLOO, IN 46793-9528
Transaction Type	Mortgage
Record Updated	May 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 CEDAR ST, WATERLOO, IN 46793-9528
Investor	Possibly a Property Investor

Mortgage

Document Number	0202104045
Date	Jun 3, 2021
Instrument	202104045

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	953 Months
Due	Nov 26, 2100

Interest

Rate Type	Adjustable Rate
Rate	3.92%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Index	1-Year LIBOR

September 2022: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	DE KALB IN
Recording Date	Sep 29, 2022
Property Address	615 CEDAR ST, WATERLOO, IN 46793-9528
Document Number	0202206142
Instrument Date	Sep 15, 2022
Instrument	202206142
Transaction Type	Transfer
Record Updated	May 19, 2023
Title Company	METROPOLITAN TITLE/IN LLC, METROPOLITIAN TTL OF IN LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 CEDAR ST, WATERLOO, IN 46793-9528
Investor	Possibly a Property Investor

Mortgage

Document Number	0202206143
Date	Sep 29, 2022
Instrument	202206143

Lender

Name	VAN DYK MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

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	$1,545.00 (-9.17%)	$168,000 (-0.88%) Land $23,600 Building $144,400	$168,000 (-0.88%) Land $23,600 Building $144,400
2024	$1,701.00 (+7.18%)	$169,500 (+2.36%) Land $23,600 Building $145,900	$169,500 (+2.36%) Land $23,600 Building $145,900
2023	$1,587.00 (+32.91%)	$165,600 (+3.76%) Land $22,900 Building $142,700	$165,600 (+3.76%) Land $22,900 Building $142,700
2022	$1,194.00	$159,600 Land $21,700 Building $137,900	$159,600 Land $21,700 Building $137,900

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

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 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.

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 112 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
MetaLINK Technologies Fixed Wireless	200 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Auburn Essential Services, Lakeland Internet, Watch TV.

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