629 Co Rd 39, Waterloo, IN 46793 Property Records

DeKalb County property record for 629 Co Rd 39, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,176 sqft · built 1965
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on File
Last Sale	$18,800 (Jun 2026)
Tax Bill	$406 (2025)
Deeds & Mortgages	May 2016 Mortgage Jun 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`17-02-10-200-007.000-018`

Property Details

APN / Parcel Number

Primary APN	`17-02-10-200-007.000-018`
Alternative APN	`100210200007`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,176 sqft Living Area
1st Floor Area	2,176 sqft
Basement Area	1,196 sqft
Unfinished Basement	1,196 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Construction Type	Wood
Foundation Type	Raised
Roof Material	Metal
Lot Area	40,075 sqft (0.92 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	100210200007
Street Address	629 COUNTY ROAD 39
City	WATERLOO
State	IN
Zip	46793-9800
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT S1/2 NE1/4 SECTION 10 TWP 35 RANGE 13 ACRES 0.9200
Jurisdiction	DE KALB IN
Township / Civil Division	SMITHFIELD
Census Block Group	3
Census Block	3012
Census Tract	20100

Owner

629 Co Rd 39 is owned and occupied by two individuals who bought it in June 2026.

Source: DeKalb County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	629 COUNTY ROAD 39, WATERLOO, IN 46793-9800
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 18, 2016	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK
Jun 2, 2026	Quit Claim Deed, Transfer · Line of Credit FARMERS STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2026 · Amount on File
Deed Sale	Jun 2, 2026 · Amount on File
Deed Document Number	20262830
Prior Transfer Date	May 22, 2026
Prior Transfer Doc	0000002830
Record Updated	Oct 29, 2026

May 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	629 COUNTY ROAD 39, WATERLOO, IN 46793-9800
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201602545
Date	May 18, 2016
Instrument	201602545

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 26, 2026

Interest

Rate Type	Fixed Rate

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DE KALB IN
Recording Date	Jun 2, 2026
Property Address	629 COUNTY ROAD 39, WATERLOO, IN 46793-9800
Document Number	0000002830
Instrument Date	May 22, 2026
Instrument	20262830
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	629 COUNTY ROAD 39, WATERLOO, IN 46793-9800

Mortgage

Document Number	0202602845,
Date	Jun 2, 2026
Instrument	20262845

Lender

Name	FARMERS STATE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	May 26, 2036

Interest

Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 629 Co Rd 39 was $406, up 3% from the year before.

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	$406.00 (+3.05%)	$197,200 (+5.45%) Land $29,300 Building $167,900	$197,200 (+5.45%) Land $29,300 Building $167,900
2024	$394.00 (-4.37%)	$187,000 (+4.64%) Land $28,200 Building $158,800	$187,000 (+4.64%) Land $28,200 Building $158,800
2023	$412.00 (-12.15%)	$178,700 (+12.18%) Land $26,600 Building $152,100	$178,700 (+12.18%) Land $26,600 Building $152,100
2022	$469.00	$159,300 Land $23,100 Building $136,200	$159,300 Land $23,100 Building $136,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 629 Co Rd 39 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2009.

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

Wildfire risk around 629 Co Rd 39 is low, with less than a 0.01% annual chance of 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 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
AT&T Fixed Wireless	25 / 3

May also be available: Watch TV.

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