645 Cobblers Ct, Waterloo, IN 46793 Property Records

DeKalb County property record for 645 Cobblers Ct, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,409 sqft · built 1998
Lot Size	0.451 acres (19,646 sqft)
Owner	Individual Name on Record
Last Sale	$115,500 (Aug 2005)
Tax Bill	$1,930 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-06-10-126-027.000-008`

Property Details

APN / Parcel Number

Primary APN	`17-06-10-126-027.000-008`
Alternative APN	`310610126027`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,409 sqft Living Area
1st Floor Area	1,409 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2000
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	19,646 sqft (0.451 acres)
Lot Dimensions	136 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	314 sqft
Deck Area	168 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	310610126027
Street Address	645 COBBLERS CT
City	WATERLOO
State	IN
Zip	46793-9491
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY VILLAGE SECTION I LOT 10 10 - 34 - 13
Legal Subdivision	SECONDARY PLAT OF COUNTRY VILLAGE
Legal Lot Number	10
Jurisdiction	DE KALB IN
Township / Civil Division	GRANT
Census Block Group	3
Census Block	3011
Census Tract	20200

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	645 COBBLERS CT, WATERLOO, IN 46793-9491
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jul 8, 2019	Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2005 · Amount on Record
Deed Sale	Aug 12, 2005 · Amount on Record
Prior Sale	Feb 9, 1999 · Amount on Record
Deed Document Number	20056515
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	645 COBBLERS CT, WATERLOO, IN 46793-9491
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 COBBLERS CT, WATERLOO, IN 46793-9491

Mortgage

Document Number	0202201941
Date	Mar 29, 2022
Instrument	202201941

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Apr 1, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	645 COBBLERS CT, WATERLOO, IN 46793-9491
Transaction Type	Mortgage
Record Updated	Aug 14, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201903093
Date	Jul 8, 2019
Instrument	201903093

Lender

Name	PNC BANK NA
Type	Bank
Address	BRECKSVILLE, OH 44141

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	216 Months
Due	Jul 1, 2037

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	$1,930.00 (-1.58%)	$213,600 (+9.26%) Land $39,100 Building $174,500	$213,600 (+9.26%) Land $39,100 Building $174,500
2024	$1,961.00 (+0.67%)	$195,500 (+0.93%) Land $35,500 Building $160,000	$195,500 (+0.93%) Land $35,500 Building $160,000
2023	$1,948.00 (+5.7%)	$193,700 (+5.44%) Land $34,800 Building $158,900	$193,700 (+5.44%) Land $34,800 Building $158,900
2022	$1,843.00 Homeowner's exemption	$183,700 Land $32,600 Building $151,100	$183,700 Land $32,600 Building $151,100

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 98% of the US · lower than 85% 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 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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