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54706 Columbia Bay Dr, Osceola, IN, 46561

5beds
3baths
3,555sqft
$799,900
$225price/sqft
$4,821/moest. monthly cost
$192,840/yrincome needed

About This Home

Tucked into the sought-after Northbridge Valley neighborhood, this spacious ranch sits on a beautiful professionally landscaped corner double lot, offering fantastic curb appeal and plenty of room to enjoy. Step inside to an inviting, open-concept great room with vaulted ceilings and a striking dry stacked 3 sided stone fireplace framed by custom-built-ins. The gourmet kitchen features a large custom island with with a quartz countertop, a matching custom hickory hood, bar seating, an abundance of cabinetry, marble backsplash, double ovens, a 36 inch 5-burner gas cooktop, stainless steel appliances, and a walk-in pantry. The main floor primary suite is a true retreat boasting a beamed ceiling, stone fireplace, and a spa-like ensuite with a walk-in shower and relaxing soaker tub. A second spacious bedroom, main floor laundry, and a home office with a 12 foot ceiling complete the main level. The finished lower level adds even more living space with a large family room, two additional oversized bedrooms, and plenty of storage. Outside, enjoy a covered patio idea for summer evenings, plus a 3-car attached garage with a 220 EV charger, and an irrigation system to keep your lawn lush year-round. This home is truly exceptional, so don't wait - schedule your showing today!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

7/10
8/10
Schmucker Middle SchoolGrades 6-82.0 mi
10/10
Penn High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 2023

Materials

  • Construction materials: Stone,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Oven-Built-In,Double Oven,Gas Range,Gas Water Heater,Water Softener Owned

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished,Concrete

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Number of fireplaces: 2
  • Fireplace features: Living Room,1st Bdrm,Gas Log
  • Fireplace: Yes
  • Finished area below ground: 1,321
  • Finished area above ground: 2,234

Heating & Cooling

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

Interior Area

  • Total structure area: 4,465
  • Total interior livable area: 3,555 sqft

Property

Details

  • Parcel number: 710532401207.000031

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 0.56 Acres
  • Features: Corner Lot,0-2.9999
  • Lot size dimensions: 195X125

Parking

  • Total spaces: 3
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 WaveModerate

How This Home’s Risks Compare

Cold Wave

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 $4,044$48,528
Home Insurance *$422$5,064
Property Taxes $30$360
Electricity $325$3,910
Total$4,821$57,852
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$165,291/yr
40% on housing$144,630/yr
45% on housing$128,560/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

$225This listing

vs Other Active Listings

Avg $/sqft

ZIP 46561$170
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)

No zestimate history available

Price History

DateEventPrice
2026-05-13Price change$799,900
2026-04-21Price change$819,900
2026-04-18Price change$828,500
2026-04-08Listed for sale$834,900
2026-04-07Listing removed$834,900
2026-03-19Price change$834,900
2026-02-04Listed for sale$849,900
2025-11-27Listing removed$849,900
2025-08-13Listed for sale$849,900

For Sale by Agent

AgentStephen C Smith, Irish Realty, Matthew Kruyer, Irish Realty
BrokerageIrish Realty

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