5515 Bay Char Ct, Osceola, IN, 46561
About This Home
MOTIVATED SELLER! The seller is offering a 6k concession towards the buyers closing costs!! VA Buyers may have the opportunity to assume the sellers' VA mortgage with an incredibly low interest rate. Welcome home to this beautifully maintained, one-owner home built in 2018, located in a quiet, desirable neighborhood within the highly sought-after Penn-Harris-Madison (PHM) School District. Designed with today's lifestyle in mind, this home features a bright and spacious open-concept layout that's perfect for both everyday living and entertaining. The modern kitchen flows seamlessly into the dining and living areas, creating an inviting space for family and friends to gather. Throughout the home, you'll find stylish, updated finishes that offer both comfort and functionality. The finished basement provides even more living space, including a fourth bedroom complete with a legal egress window—ideal for guests, a home office, or additional family members. If you've been searching for newer construction without the wait, this move-in-ready home offers the perfect combination of modern design, a peaceful setting, and an unbeatable location.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2018
Materials
- Construction materials: Stone,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Microwave,Refrigerator,Washer,Dryer-Gas,Gas Oven
Basement
- Has basement: Yes
- Basement: Full,Finished,Concrete
Bedroom1
- Level: Main
Bedroom2
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
- Main level bedrooms: 3
Features
- 1st Bdrm En Suite
- Window features: Window Treatments
- Finished area below ground: 1,200
- Finished area above ground: 1,352
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 3,452
- Total interior livable area: 2,552 sqft
Property
Details
- Parcel number: 711017107025.000022
Features
- Levels: One and One Half
- Stories: 1
Lot
- Lot size: 8,712 sqft
- Features: Cul-De-Sac
- Lot size dimensions: 46 x 94 x 115 x 58
Parking
- Total spaces: 2
- Parking features: Attached
- 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
- Hail
- Inland Flooding
- Lightning
- Strong Wind
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Indiana Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,870 | $22,440 |
| Home Insurance * | $195 | $2,340 |
| Property Taxes | $261 | $3,132 |
| Electricity | $233 | $2,807 |
| Total | $2,559 | $30,708 |
Income You'd Need if You Spent...
Indiana FAIR Plan Programs
Indiana Basic Property Insurance Underwriting Association
WildfireHailWindHow 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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-10 | Price change | $359,900 |
| 2026-07-30 | Listed for sale | $370,000 |
| 2018-08-20 | Listing removed | $229,900 |
| 2018-03-09 | Listed for sale | $229,900 |
View on Zillow