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11509 New Trails Dr, Osceola, IN, 46561

4beds
4baths
2,763sqft
$649,999
$235price/sqft
$4,667/moest. monthly cost
$186,680/yrincome needed

About This Home

Meadows at Northbridge Valley (Lot 1) - Introducing a stunning new construction home where timeless design meets upscale amenities in a small subsection of Nortthbridge Valley. Built by award-winning Devine Homes by Miller, this smartly designed modern craftsman ranch offers a sophisticated blend of comfort and style. Inside, the popular open-concept Lauren floor plan boasts 4 bedrooms, 3.5 baths, and a beautifully finished lookout basement. The expansive great room features soaring 10' ceilings, a striking 42" gas fireplace, and transom windows that flood the space with natural light. The gourmet kitchen shines with quartz countertops, tile backsplash, stainless appliance package allowance, under-cabinet lighting, and a generous 4-person island - perfect for morning coffee or evening chats. A walk-in pantry provides extra storage, and a slider leads to a 16'x16' deck. The main-level primary suite includes a beamed tray ceiling, spacious walk-in closet, and a spa-inspired bath complete with dual sinks and a tile shower. Two spacious bedrooms (one could also serve as a den/office, offering flexibility to fit your lifestyle) are tucked into their own wing for added privacy, sharing a full bath with a tub/shower combo. Main floor laundry/mudroom with bench and storage closet. The lower level includes a spacious rec room, full bath, and additional bedroom. Yard will be seeded and landscaped, with irrigation and a Ring doorbell system included. Don’t miss out on the opportunity to make it yours!

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

7/10
8/10
Schmucker Middle SchoolGrades 6-81.7 mi
10/10
Penn High SchoolGrades 9-121.5 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Asphalt,Shingle
  • Construction materials: Stone,Vinyl Siding

Other

  • Builder name: Devine Homes by Miller

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Disposal,Range/Oven Hook Up Gas,Dishwasher,Microwave,Refrigerator,Humidifier,Gas Range,Gas Water Heater
  • Laundry features: Gas Dryer Hookup,Main Level,Washer Hookup

Basement

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

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bedrooms: 3

Features

  • Ceiling-9+,Tray Ceiling(s),Ceiling Fan(s),Walk-In Closet(s),Stone Counters,Eat-in Kitchen,Entrance Foyer,Kitchen Island,Open Floorplan,Split Br Floor Plan,Double Vanity,Stand Up Shower,Tub/Shower Combination,Main Level Bedroom Suite,Great Room
  • Flooring: Carpet,Tile,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Gas Log,Vented
  • Fireplace: Yes
  • Finished area below ground: 921
  • Finished area above ground: 1,842

Heating & Cooling

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

Interior Area

  • Total structure area: 3,684
  • Total interior livable area: 2,763 sqft

Property

Details

  • Parcel number: 710532377013.000031

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Porch Covered
  • Fencing: None

Lot

  • Lot size: 0.28 Acres
  • Features: Level,Rural Subdivision
  • Lot size dimensions: 105x292

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
    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 $3,286$39,432
Home Insurance *$343$4,116
Property Taxes $785$9,420
Electricity $253$3,039
Total$4,667$56,004
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$160,011/yr
40% on housing$140,010/yr
45% on housing$124,453/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

$235This 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)

Price History

DateEventPrice
2026-01-27Price change$649,999
2026-01-20Listed for sale$60,000
2026-01-16Listing removed$60,000
2025-01-21Listed for sale$60,000

New Construction

AgentTommy Kraemer
BrokerageColdwell Banker Real Estate Group

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