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Single Family ResidenceResidential
$149,388$148 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $158,500 on Apr 26, 2024

905 N RUMAN ST

WATERLOO, IN 46793
2
Beds
1
Baths
1,008 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.25 ac
Lot SizeThe size of the land the home sits on, from county records.
1972
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$149K
$140K low$159K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$158,500 · Apr 26, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$759 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$106,900 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$20,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$86,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$37,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$106,900

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.38
35
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
13
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
67
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
73
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
3
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.8 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyDEKALB
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2000
Lot (acres)The size of the land the home sits on, from county records.0.25
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Shed · 100 ft²

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(3)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Waterloo Elementary SchoolC
Elementary · Grades PK–5 · 0.8 mi
M
Dekalb Middle SchoolB+
Middle · Grades 6–8 · 2.4 mi
H
Dekalb High SchoolB+
High · Grades 9–12 · 2.6 mi

District: Dekalb County Central United School District

Neighborhood · ZIP 46793These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.104
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.75
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.29

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.4,414
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.74 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$77,868
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$102,098
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.37 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

905 N Ruman St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 83% of homes in DeKalb County
  • Smaller than 91% of homes in Waterloo 46793
  • Has a smaller lot than 69% of homes in Waterloo 46793

What homes are worth in Waterloo 46793

Each bar is how many homes fall in that price range. The marker is this home.

This home
$89K$642K

This home is worth more than 25% of homes in Waterloo 46793.

How it measures up in Waterloo 46793

The dot is this home. The mark in the middle is the typical home in Waterloo 46793.

Estimated value$149,388
CheaperTypical $240,467Pricier

Pricier than 25% of homes nearby

Price per ft²$148
CheaperTypical $148Pricier

Pricier than 50% of homes nearby

Living area1,008 ft²
SmallerTypical 1,680 ft²Bigger

Bigger than 9% of homes nearby

Lot size0.25 ac
SmallerTypical 0.92 acBigger

Bigger than 31% of homes nearby

Year built1972
OlderTypical 1972Newer

Newer than 51% of homes nearby

How 905 N Ruman St ranks against every home in each area.
MeasureThis homeWaterloo 46793DeKalb County
Estimated valuepricier than$149,38825% of homes17% of homes
Price per ft²pricier than$14850% of homes44% of homes
Living areabigger than1,008 ft²9% of homes9% of homes
Lot sizebigger than0.25 ac31% of homes39% of homes
Year builtnewer than197251% of homes46% of homes

About 905 N Ruman St

How much is 905 N Ruman St, Waterloo, IN worth?

The TopHap Estimate for 905 N Ruman St, Waterloo, IN is $149,388 as of Sep 24, 2026. The likely range is $139,665 to $159,111. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 905 N Ruman St, Waterloo, IN last sell?

905 N Ruman St, Waterloo, IN last sold on Apr 26, 2024 for $158,500, according to the county's recorded deed.

How big is 905 N Ruman St, Waterloo, IN?

905 N Ruman St, Waterloo, IN has 2 bedrooms, 1 bathrooms, 1,008 square feet of living space and a 0.25-acre lot.

When was 905 N Ruman St, Waterloo, IN built?

905 N Ruman St, Waterloo, IN was built in 1972, making it 54 years old. The building has 1 story.

What schools serve 905 N Ruman St, Waterloo, IN?

905 N Ruman St, Waterloo, IN is assigned to Waterloo Elementary School (elementary), rated C; Dekalb Middle School (middle), rated B+; Dekalb High School (high), rated B+. All sit in Dekalb County Central United School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 905 N Ruman St, Waterloo, IN compare to other homes in Waterloo 46793?

Among the 1,610 homes in Waterloo 46793, it is worth more than 25% of them ($149,388 against a typical $240,467), its price per square foot is higher than 50% of them ($148 against a typical $148), it is bigger than 9% of them (1,008 ft² against a typical 1,680 ft²), its lot is bigger than 31% of them (0.25 ac against a typical 0.92 ac) and it is newer than 51% of them (1972 against a typical 1972). Measured against all of DeKalb County, it is worth more than 17% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 905 N Ruman St, Waterloo, IN?

The 2025 property tax bill for 905 N Ruman St, Waterloo, IN was $759. The county assessed it at $106,900.

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