54792 Columbia Bay Dr, Osceola, IN, 46561
About This Home
JUST REDUCED PRISE ON THIS "Amazing Newer Construction in Penn School District! Why wait to build? Enjoy the look and feel of new construction with upgrades, finishing touches, and extras already in place! This impressive 5-bedroom home, with potential for a 6th, offers 3½ baths, a bright lookout basement, and a fully insulated and drywalled 3-car garage. The main level features 9' ceilings and a dramatic two-story great room with a wall of windows flanking a beautiful stone fireplace. Enjoy peaceful tree-line and pond views from the composite deck. The expanded kitchen features an 8' quartz island, pantry, and versatile desk/coffee/wine station. Custom lighting and upgraded faucets add stylish finishing touches throughout. The main-level primary suite features a coffered beam ceiling and beautifully tiled bath. A laundry room, half bath, and mudroom with bench complete the first floor. Upstairs are four generously sized bedrooms—two sharing a Jack-and-Jill bath and two with access to a second full bath with double vanity. The bright lookout basement offers 9' ceilings and excellent potential for additional living space, bedroom, bath, gym, theater, or office. Additional features include an electric dog fence, sprinkler system, composite deck, custom garage storage system, custom lighting and faucets, and garage refrigerator included with the sale. Municipal water and sewer complete this beautifully appointed, move-in-ready home."
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2022
Materials
- Roof: Asphalt
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Microwave,Refrigerator,Washer,Gas Cooktop,Dryer-Gas,Double Oven,Gas Water Heater,Water Softener Owned
- Laundry features: Gas Dryer Hookup,Main Level
Basement
- Has basement: Yes
- Basement: Daylight,Full,Unfinished,Concrete,Sump Pump
Bedroom1
- Level: Main
Bedroom2
- Level: Upper
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
- Main level bedrooms: 1
Features
- Ceiling-9+,Tray Ceiling(s),Vaulted Ceiling(s),Countertops-Solid Surf,Eat-in Kitchen,Kitchen Island,Open Floorplan,Pantry,Main Level Bedroom Suite,Great Room,Custom Cabinetry
- Door features: Six Panel Doors
- Window features: Window Treatments
- Flooring: Carpet,Vinyl
- Number of fireplaces: 1
- Fireplace features: Family Room
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 2,826
Heating & Cooling
- Heating features: Natural Gas,Forced Air
- Cooling features: Central Air,Ceiling Fan(s),Zoned
Interior Area
- Total structure area: 4,606
- Total interior livable area: 2,826 sqft
Property
Details
- Parcel number: 710532401208.000031
- Zoning: R
- Other equipment: Sump Pump
Features
- Levels: Two
- Stories: 2
- Patio & porch: Deck Covered,Porch Covered
- Exterior features: Irrigation System
- Fencing: None
Lot
- Lot size: 0.25 Acres
- Features: Irregular Lot,Rural Subdivision,Landscaped
- Lot size dimensions: 84X130
Parking
- Total spaces: 3
- Parking features: Attached,Garage Door Opener,Concrete
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
- Has uncovered spaces: Yes
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
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 | $3,413 | $40,956 |
| Home Insurance * | $356 | $4,272 |
| Property Taxes | $478 | $5,736 |
| Electricity | $259 | $3,108 |
| Total | $4,506 | $54,072 |
Income You'd Need if You Spent...
Indiana FAIR Plan Programs
Indiana Basic Property Insurance Underwriting Association
Wildfire
Hail
WindHow 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 |
|---|---|---|
| 2026-08-14 | Price change | $660,000 |
| 2026-07-23 | Price change | $675,000 |
| 2026-06-24 | Listed for sale | $685,000 |
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