940 Co Rd 45, Waterloo, IN 46793 Property Records

DeKalb County property record for 940 Co Rd 45, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,080 sqft · built 1990
Lot Size	1.61 acres (70,132 sqft)
Owner	Individual Name on Record
Last Sale	$234,080 (Aug 2023)
Tax Bill	$902 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Aug 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-02-13-100-005.000-018`

Property Details

APN / Parcel Number

Primary APN	`17-02-13-100-005.000-018`
Alternative APN	`100213100005`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,080 sqft Living Area
1st Floor Area	1,196 sqft
Attic	Attic
Attic Area	1,768 sqft
Basement Area	884 sqft
Unfinished Basement	884 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	70,132 sqft (1.61 acres)

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	100213100005
Street Address	940 COUNTY ROAD 45
City	WATERLOO
State	IN
Zip	46793-9760
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT N1/2 N1/2 NW1/2 SECTION 13 TWP 35 RANGE 13 ACRES 1.6100
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	940 COUNTY ROAD 45, WATERLOO, IN 46793-9760
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2023	Deed of Trust, Mortgage · Conventional Mortgage TEACHERS CU
Aug 22, 2023	Warranty Deed, Transfer
Jan 4, 2022	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2023 · Amount on Record
Deed Sale	Aug 22, 2023 · Amount on Record
Deed Document Number	20234141
Prior Transfer Date	Jan 4, 2022
Prior Transfer Doc	0202200063
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	940 COUNTY ROAD 45, WATERLOO, IN 46793-9760
Transaction Type	Mortgage
Record Updated	Dec 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7018 E 300 N, FREMONT, IN 46737-8740

Mortgage

Document Number	0202304142
Date	Aug 22, 2023
Instrument	202304142

Lender

Name	TEACHERS CU
Type	Credit Union
Address	SOUTH BEND, IN 46601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Aug 22, 2023
Property Address	940 COUNTY ROAD 45, WATERLOO, IN 46793-9760
Document Number	0202304141
Instrument Date	Aug 17, 2023
Instrument	202304141
Transaction Type	Transfer
Record Updated	Nov 24, 2023

Transaction

Amount	Amount Recorded
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
Relationship	Tenants in Common
Address	940 COUNTY ROAD 45, WATERLOO, IN 46793-9760

January 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	DE KALB IN
Recording Date	Jan 4, 2022
Property Address	940 COUNTY ROAD 45, WATERLOO, IN 46793-9760
Document Number	0202200063
Instrument Date	Jan 4, 2022
Instrument	202200063
Transaction Type	Transfer
Record Updated	Nov 24, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	940 COUNTY ROAD 45, WATERLOO, IN 46793-9760

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 S JACKSON ST UNIT 616, 616, SEATTLE, WA 98104-4459

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	$902.00 (+6.37%)	$196,500 (+3.75%) Land $35,300 Building $161,200	$196,500 (+3.75%) Land $35,300 Building $161,200
2024	$848.00 (+32.5%)	$189,400 (+29.28%) Land $33,900 Building $155,500	$189,400 (+29.28%) Land $33,900 Building $155,500
2023	$640.00 (+5.61%)	$146,500 (+15.63%) Land $32,000 Building $114,500	$146,500 (+15.63%) Land $32,000 Building $114,500
2022	$606.00 (+13.48%)	$126,700 Land $27,800 Building $98,900	$126,700 Land $27,800 Building $98,900
2021	$534.00

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 97% of the US · lower than 78% 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

May also be available: AT&T, Lakeland Internet.

Cell Coverage

5G (outdoors only) and 4G LTE

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