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1416 Vistula Landing Dr, Osceola, IN, 46561

5beds
3baths
4,502sqft
$875,000
$194price/sqft
$5,973/moest. monthly cost
$238,920/yrincome needed

About This Home

Experience exceptional waterfront living in this stunning home, perfectly situated in a quiet subdivision with breathtaking water views from virtually every room. Bathed in natural light, the open and flowing floor plan is complemented by sophisticated neutral décor, creating an elegant yet inviting atmosphere that showcases the beauty of the surrounding waterfront. The main level features engineered hardwood flooring and thoughtfully designed living spaces ideal for both everyday living and entertaining. At the heart of the home, the gourmet kitchen is sure to impress with beautiful stone countertops, an oversized center island with seating and prep space, stainless steel appliances, and abundant cabinetry for exceptional storage. Wake each morning to peaceful water views from the luxurious primary suite, complete with a spacious walk-in closet and a beautifully appointed en-suite bath. Walkout lower level offers an additional 1,805 SF of beautifully finished living space, completed with the same quality craftsmanship found throughout the main level. This incredible space includes a bedroom, a kitchenette, an expansive family room, and a versatile bonus room perfect for a home office, fitness studio, or guest accommodations. Step outside and embrace the waterfront lifestyle. Whether you’re relaxing on the shore, entertaining guests, or heading out for a day on the water, your private pier provides the perfect place to dock your boat, jet skis, and other water toys. This remarkable property offers the ideal blend of luxury, comfort, and year-round waterfront enjoyment.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

9/10
Moran Elementary SchoolGrades K-50.7 mi
6/10
10/10
Penn High SchoolGrades 9-121.0 mi

Construction

Condition

  • Year built: 2016

Materials

  • Construction materials: Stone,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Gas Range,Gas Water Heater
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access,Finished,Concrete

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 4

Dining Room

  • Level: Main
  • Area: 320

Features

  • Ceiling-9+,Walk-In Closet(s),Stone Counters,Crown Molding,Eat-in Kitchen,Entrance Foyer,Kitchen Island,Open Floorplan,Split Br Floor Plan,Kitchenette,Main Level Bedroom Suite
  • Number of fireplaces: 1
  • Fireplace features: Living Room,One,Gas Starter
  • Fireplace: Yes
  • Finished area below ground: 1,805
  • Finished area above ground: 2,697

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 5,394
  • Total interior livable area: 4,502 sqft

Kitchen

  • Level: Main
  • Area: 144

Living Room

  • Level: Main
  • Area: 399

Office

  • Level: Main

Property

Details

  • Parcel number: 711008177024.000030

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Exterior features: Irrigation System
  • Has view: Yes
  • On waterfront: Yes
  • Waterfront features: Waterfront,Pier/Dock,River Front,River
  • Waterbody name: Saint Joseph River
  • Frontage length: Water Frontage(132)

Lot

  • Lot size: 0.41 Acres
  • Lot size dimensions: 99X150

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Lightning
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters Across Indiana Counties

Flood
Snowstorm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $4,424$53,088
Home Insurance *$462$5,544
Property Taxes $675$8,100
Electricity $412$4,952
Total$5,973$71,676
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$204,788/yr
40% on housing$179,190/yr
45% on housing$159,280/yr

Indiana FAIR Plan Programs

Indiana Basic Property Insurance Underwriting Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 810Commercial: 30
Total Premiums$1.77M
Total Exposure$1.82M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 9.7%
9.7%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 3.6%
3.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$194This listing

vs Other Active Listings

Avg $/sqft

ZIP 46561$171
St. Joseph County$162

vs Homes Sold Last Month

Median $/sqft

ZIP 46561$143
St. Joseph County$131

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-31Price change$875,000
2026-07-21Listed for sale$895,000
2016-06-27Sold$108,000

For Sale by Agent

AgentPaul W Thurston
BrokerageOpen Door Realty, Inc

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