Andy Kern

3321 County Road 10 Road

Waterloo, IN
$ 389,900 Beds 3 Baths 2 Sq 1,800 Virtual Tour
Monthly Estimate* How much can I afford?

OPEN HOUSE THURSDAY SEPT 3rd FROM 5:00-7:00 pm Price lowered! Step back in time while enjoying modern comforts of this charming country home set on over 2.6 acres with a stocked pond. This 3 bedroom, 2 bath property offers the perfect blend of historic character and thoughtful updates, making it ideal for those seeking space, privacy, and a rural lifestyle. Inside, the home has seen numerous updates over the years, including new windows (2023), Furnace/AC (2023), Well pump (2023), wood burning unit attached to the furnace (2021), entire new kitchen (2017), new flooring, 40 year roof put on in 2006. The well is 180 ft deep, there is a fire hydrant in the yard...just in case! The home was remodeled in 2006 and is a unique find. The outbuilding is 50x30 for all you special projects, come take a look!

Single Family

  • Price
  • $ 389,900
  • City
  • Waterloo
  • Bedrooms
  • 3
  • Full Bathrooms
  • 2
  • County
  • DEKALB
  • Half Bathrooms
  • 0
  • Area
  • Smithfield
  • Lot Size
  • 2.6 Acres
  • Zip
  • 46793
  • Sqr Footage
  • 1,800
  • Year Built
  • 1900
  • Taxes
  • $ 1082
  • Style
  • A-Frame
  • MLS#
  • 202630146
Listed By: Chelsea Koehl with CENTURY 21 Bradley Realty, Inc; Cell: 260-402-2234
Data Source: Indiana Regional MLS (IRMLS)

Features

General

Sewer Septic
Heating Forced Air
Kitchen Level Main
Cooling Central Air
Laundry Y/N Main
Fireplaces Yes
Status Active
Full Baths 2
Bathrooms 2
Year Built 1900
New Construction No
Subdivision None
Style One and Half Story
Township Smithfield
Class RESIDENTIAL
Type Site-Built Home
Age 126
FIPS Code 18033
Associated Document Count 1
REO No
Status Active
Auction Y/N No
Dining Room Level Main
Annual Taxes 1082.06
Area Dekalb County
High School Dekalb
City Waterloo
School District Dekalb Central United
Assoc. Dues Frequency Not Applicable
Architectural Style A-Frame
Total Sq Ft 2972
Elementary School Country Meadow
Middle School Dekalb
Legal Description IN E PT S1/2 NW1/4 SECTION 16 TWP 35 RANGE 13 ACRES 2.6000
Virtual Tour https://www.propertypanorama.com/instaview/irmls/202630146
Agent First Name Chelsea
Agent Last Name Koehl
DOM 45
Tax Year 2026
PROPOSED FINANCING Cash,Conventional

Interior Features

Basement Full Basement
Fireplace(s) 1
Kitchen Length 13
Laundry Room Width 6
Laundry Room Length 10
Kitchen Width 18
Beds 3
Total Rooms 6
Dining Room Length 11
Dining Room Width 18
Fireplace Family Rm
Living Room Width 15
Den Length 10
Den Width 7
Living Room Length 23
Full Baths Main 1
Full Baths Upper 1
Total Finished SqFt 1800
Basement Y/N Yes
Above Grade Bedrooms 3
1st Bedroom Level Main
1st Bedroom Width 12
2nd Bedroom Length 14
2nd Bedroom Level Upper
2nd Bedroom Width 11
3rd Bedroom Length 10
3rd Bedroom Level Upper
3rd Bedroom Width 17
Above Grade Finished SqFt 1800
Below Grade Unfin. SqFt 1172
Living/Great Rm Level Main

Exterior Features

Exterior Vinyl
Pool No
Waterfront Pond
Lot Size Area 113256
Lot Dimensions 501x277
Lot Description Slope
Well Type Private
Approx. Lot Size Acres 2.6
Off Street Parking Y/N No
Waterfront Y/N Yes
Garage Y/N No

Amenities

  • Foreclosure
  • Views
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the South Bend, IN office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Country Meadow Elementary School
Middle School Dekalb Middle School
High School Dekalb High School

Price History

7/27/2026 Listed $399,900
8/30/2026 3% - $389,900

Property vs Zip Code Average in 46793

Price
AVG $310K
$390K
Taxes
AVG $1,242
$1,082
Year Built
AVG 1973
1900
Visits
AVG 56
7
Data Provided by Inside Real Estate®

Areas That We Cover

3321 County Road 10 Road Waterloo, IN is a Single Family Home for sale at $389900 with 1800 sqft and a lot size of 2.6 Acres Acre(s). 3321 County Road 10 Road Waterloo has 3 bedrooms, 2 baths and was built in 1900. The property's zip code is 46793 which is in Waterloo, IN

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Andy Kern

Andy Kern

Broker Associate

574-386-4479

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