870 Cedar St, Waterloo, IN 46793 Property Records

DeKalb County property record for 870 Cedar St, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,440 sqft · built 1973
Lot Size	0.61 acres (26,572 sqft)
Owner	2 Individual Names on File
Tax Bill	$702 (2025)
Deeds & Mortgages	Nov 2025 Transfer Oct 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-06-09-251-002.000-007`

Property Details

APN / Parcel Number

Primary APN	`17-06-09-251-002.000-007`
Alternative APN	`050609251002`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,440 sqft Living Area
1st Floor Area	1,440 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1975
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	26,572 sqft (0.61 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Other

Location & Zoning

Account Number	050609251002
Street Address	870 CEDAR ST
City	WATERLOO
State	IN
Zip	46793-9459
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MID PT S1/2 NE1/4 SECTION 9 TWP 34 RANGE 13 ACRES 0.6100
Jurisdiction	DE KALB IN
Township / Civil Division	GRANT
Census Block Group	3
Census Block	3014
Census Tract	20200

Owner

870 Cedar St is owned by two individuals who acquired it in November 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	335 E WALNUT ST, WATERLOO, IN 46793-9511
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
Nov 17, 2025	Intrafamily Transfer, Transfer
Oct 26, 2018	Deed of Trust, Mortgage DORIS E JOHNSON REVOCABLE TRUST
Aug 12, 2019	Deed of Trust, Mortgage · Line of Credit HORIZON BANK
Jun 20, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2019
Deed Sale	Jun 20, 2019
Prior Sale	Aug 7, 2013 · Amount on File
Deed Document Number	20192764
Last Transfer Date	Nov 11, 2025
Transfer Doc	0202506035
Record Updated	Oct 29, 2026

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DE KALB IN
Recording Date	Nov 17, 2025
Property Address	870 CEDAR ST, WATERLOO, IN 46793-9459
Document Number	0202506035
Instrument Date	Nov 11, 2025
Instrument	202506035
Transaction Type	Transfer
Record Updated	Dec 2, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	870 CEDAR ST, WATERLOO, IN 46793-9459

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	870 CEDAR ST, WATERLOO, IN 46793-9459

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	870 CEDAR ST, WATERLOO, IN 46793-9459
Transaction Type	Mortgage
Record Updated	Aug 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201805620
Date	Oct 26, 2018
Instrument	201805620

Lender

Name	DORIS E JOHNSON REVOCABLE TRUST
Type	Non-Lending Institution

Agreement

Amount	Amount on Record

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	870 CEDAR ST, WATERLOO, IN 46793-9459
Transaction Type	Mortgage
Record Updated	Aug 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201903738
Date	Aug 12, 2019
Instrument	201903738

Lender

Name	HORIZON BANK
Type	Bank
Address	WATERLOO, IN 46793

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 17, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Jun 20, 2019
Property Address	870 CEDAR ST, WATERLOO, IN 46793-9459
Document Number	0201902764
Instrument Date	Jun 17, 2019
Instrument	201902764
Transaction Type	Transfer
Record Updated	Aug 8, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	870 CEDAR ST, WATERLOO, IN 46793-9459

Tax Assessment & Valuation

The 2025 property tax bill for 870 Cedar St was $702, down 21.5% 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	Grant 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	$702.00 (-21.48%)	$173,000 (-0.46%) Land $25,200 Building $147,800	$173,000 (-0.46%) Land $25,200 Building $147,800
2024	$894.00 (+5.92%)	$173,800 (+2.78%) Land $25,200 Building $148,600	$173,800 (+2.78%) Land $25,200 Building $148,600
2023	$844.00 (+2.3%)	$169,100 (+13.34%) Land $24,300 Building $144,800	$169,100 (+13.34%) Land $24,300 Building $144,800
2022	$825.00	$149,200 Land $21,100 Building $128,100	$149,200 Land $21,100 Building $128,100

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

Flood

FEMA maps place 870 Cedar St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 870 Cedar St 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 94% of the US · above 40% 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 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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