# 3528 County Road 34, Waterloo, IN 46793-9533 > **TL;DR:** 3bd/3ba single family, $499,900 ($195/sqft), built 1966, 2,568 sqft. > Fireplace, Waterfront, Hardwood, A/C. Est. $3,174/mo. Listed 38 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $499,900 | | Price/sqft | $195 | | Bedrooms | 3 | | Bathrooms | 2 full, 1 half | | Square Feet | 2,568 | | Year Built | 1966 | | Lot Size | 141,134 sqft (3.24 acres) | | Garage | 2-car | | Property Type | Single Family (Other) | | Status | Pending | | Days on Market | 38 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed - **Hardwood Floors** - Hardwood flooring listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $2,528 | | Estimated Insurance | $146 | | HOA | $500 | | **Total** | **$3,174** | ## Nearby Schools - **Elementary:** Waterloo - **Middle:** Dekalb - **High:** Dekalb ## Key Amenities - Fireplace - Waterfront - Hardwood - A/C - 2-car garage ## Property Highlights - Built in 1966 - 3.24 acre lot - Fireplace - Waterfront ## Description ### Agent Description Welcome to this unique 5-level home offering over 3,800 square feet of living space, 3 bedrooms, 2.5 baths, and an impressive 3.24-acre setting. A standout feature of the property is the approximately 7.7-acre stocked pond, providing a beautiful backdrop and excellent recreational potential. The property also features an in-ground pool with a new $4,500 seasonal/ safety cover, pool house, attached garage, and a spacious 12x18 three-season room-perfect for relaxing or entertaining. Inside, the home offers multiple levels of living space and plenty of flexibility. The remodeled kitchen features under-cabinet lighting, updated finishes, and appliances that stay, including a new dishwasher and microwave. A second kitchen is located in the basement, adding convenience and versatility. The living room features a gas-log fireplace that has been recently cleaned. Major mechanical updates include a new A/C system and mini-split installed in 2025. With its combination of acreage, stocked pond, in-ground pool, multiple living levels, extensive square footage, and numerous updates, this property offers a rare opportunity to enjoy space, privacy, recreation, and comfortable living all in one setting. Sellers will need possession Until January for their build job to be complete and can rent back from the Buyer if necessary. ## Location - **Address:** 3528 County Road 34, Waterloo, IN 46793-9533 - **County:** Dekalb County - **Neighborhood:** Franklin Place - **Coordinates:** 41.404149, -85.027063 - **Google Maps:** https://www.google.com/maps?q=41.404149,-85.027063 ## Virtual Tour & Media - **Video Tour:** https://www.propertypanorama.com/instaview/irmls/202639879 ## Listing Agent - **Name:** Stephen Bartkus - **Brokerage:** Century 21 Bradley Realty,Inc. - **Broker Phone:** (260) 399-1177 ## Photos ![3528 County Road 34 - Photo 1](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f839693145r.jpg) ![3528 County Road 34 - Photo 2](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f938346599r.jpg) ![3528 County Road 34 - Photo 3](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f2767620342r.jpg) ![3528 County Road 34 - Photo 4](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f2345080497r.jpg) ![3528 County Road 34 - Photo 5](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f1881899393r.jpg) ![3528 County Road 34 - Photo 6](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f3701095413r.jpg) ![3528 County Road 34 - Photo 7](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f2264429339r.jpg) ![3528 County Road 34 - Photo 8](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f426674583r.jpg) ![3528 County Road 34 - Photo 9](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f2428646842r.jpg) ![3528 County Road 34 - Photo 10](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f3825152579r.jpg) ![3528 County Road 34 - Photo 11](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f572700926r.jpg) ![3528 County Road 34 - Photo 12](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f1795612835r.jpg) ![3528 County Road 34 - Photo 13](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f798616995r.jpg) ![3528 County Road 34 - Photo 14](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f928766116r.jpg) ![3528 County Road 34 - Photo 15](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f3801598052r.jpg) ![3528 County Road 34 - Photo 16](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f10248831r.jpg) ![3528 County Road 34 - Photo 17](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f1768759283r.jpg) ![3528 County Road 34 - Photo 18](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f3171074555r.jpg) ![3528 County Road 34 - Photo 19](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f3110003062r.jpg) ![3528 County Road 34 - Photo 20](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f351824457r.jpg) ![3528 County Road 34 - Photo 21](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f1718348718r.jpg) ![3528 County Road 34 - Photo 22](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f1149724406r.jpg) ![3528 County Road 34 - Photo 23](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f381849075r.jpg) ![3528 County Road 34 - Photo 24](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f479541615r.jpg) ![3528 County Road 34 - Photo 25](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f737249732r.jpg) ![3528 County Road 34 - Photo 26](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f1625970250r.jpg) ![3528 County Road 34 - Photo 27](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f74726994r.jpg) ![3528 County Road 34 - Photo 28](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f3401241829r.jpg) ![3528 County Road 34 - Photo 29](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f1306250007r.jpg) ![3528 County Road 34 - Photo 30](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f3632169519r.jpg) ![3528 County Road 34 - Photo 31](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f2242968010r.jpg) ![3528 County Road 34 - Photo 32](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f3764464020r.jpg) ![3528 County Road 34 - Photo 33](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f2002552182r.jpg) ![3528 County Road 34 - Photo 34](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f3399785508r.jpg) ![3528 County Road 34 - Photo 35](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f2008278850r.jpg) ![3528 County Road 34 - Photo 36](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f2996886065r.jpg) ![3528 County Road 34 - Photo 37](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f1136700457r.jpg) ![3528 County Road 34 - Photo 38](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f2694834135r.jpg) ![3528 County Road 34 - Photo 39](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f2757462831r.jpg) ![3528 County Road 34 - Photo 40](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f602438744r.jpg) ![3528 County Road 34 - Photo 41](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f3342835588r.jpg) ![3528 County Road 34 - Photo 42](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f2771384043r.jpg) ![3528 County Road 34 - Photo 43](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f831556960r.jpg) ![3528 County Road 34 - Photo 44](http://lh.rdcpix.com/47bde8b9f1fa93d57924a3a31853ec42l-f4038711575r.jpg) --- **MLS#:** 202639879 | **Updated:** 2026-10-26 **Source:** listhub *Copyright © 2026 Upstate Alliance of REALTORS® Multiple Listing Service, Inc. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://www.propertysimple.ai/listing/3528-county-road-34-waterloo-in-46793-9533-015b7b53db554022ab08cf11e8a299da) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/3528-county-road-34-waterloo-in-46793-9533-015b7b53db554022ab08cf11e8a299da#listing", "url": "https://www.propertysimple.ai/listing/3528-county-road-34-waterloo-in-46793-9533-015b7b53db554022ab08cf11e8a299da", "name": "3528 County Road 34, Waterloo, IN 46793-9533", "description": "Welcome to this unique 5-level home offering over 3,800 square feet of living space, 3 bedrooms, 2.5 baths, and an impressive 3.24-acre setting. A standout feature of the property is the approximately 7.7-acre stocked pond, providing a beautiful backdrop and excellent recreational potential. The property also features an in-ground pool with a new $4,500 seasonal/ safety cover, pool house, attached garage, and a spacious 12x18 three-season room-perfect for relaxing or entertaining. Inside, the home offers multiple levels of living space and plenty of flexibility. The remodeled kitchen features under-cabinet lighting, updated finishes, and appliances that stay, including a new dishwasher and microwave. A second kitchen is located in the basement, adding convenience and versatility. The living room features a gas-log fireplace that has been recently cleaned. Major mechanical updates include a new A/C system and mini-split installed in 2025. With its combination of acreage, stocked pond, in-ground pool, multiple living levels, extensive square footage, and numerous updates, this property offers a rare opportunity to enjoy space, privacy, recreation, and comfortable living all in one setting. 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