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10501 Jefferson Rd, Osceola, IN, 46561

4beds
2baths
1,600sqft
$375,000
$234price/sqft
$2,442/moest. monthly cost
$97,680/yrincome needed

About This Home

OPEN HOUSE--Sunday--August 16---2-4 pm---Fully remodeled top to bottom, this mid-century modern two-story is move-in ready with LVP flooring throughout and all new mechanicals. The kitchen stands out with new stainless steel appliances, a gas range, subway tile backsplash, open wood shelving, and hard-surface countertops. The living space is bright and airy, with huge picture windows and a gas fireplace as the centerpiece. This home sits on a 1 acre corner lot right across from the St. Joseph River, in the Penn School district. The backyard offers plenty of room to relax or entertain, with a 24' x 24' detached two-car garage, extra storage, a large storage shed, and plenty of off-street parking. Come see it for yourself, schedule a showing today.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

9/10
Moran Elementary SchoolGrades K-51.0 mi
8/10
Schmucker Middle SchoolGrades 6-82.1 mi
10/10
Penn High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 1951

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Cedar

Type & Style

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

Interior

Appliances

  • Appliances included: Range/Oven Hook Up Gas,Refrigerator,Gas Range
  • Laundry features: Gas Dryer Hookup,Main Level,Washer Hookup

Bedroom1

  • Level: Lower

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Countertops-Solid Surf,Stand Up Shower,Great Room
  • Window features: Double Pane Windows
  • Flooring: Carpet,Laminate
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Gas Starter,Insert,Wood Burning Stove
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,600

Heating & Cooling

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

Interior Area

  • Total structure area: 1,600
  • Total interior livable area: 1,600 sqft

Kitchen

  • Level: Lower
  • Area: 160

Living Room

  • Level: Main
  • Area: 240

Property

Details

  • Parcel number: 711009201006.000031

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Patio
  • Exterior features: Balcony

Lot

  • Lot size: 1.17 Acres
  • Features: Corner Lot,Irregular Lot,Few Trees,Sloped,City/Town/Suburb,Rural
  • Lot size dimensions: 171 x 271

Parking

  • Total spaces: 2
  • Parking features: Detached,Garage Door Opener,RV Access/Parking,Concrete,Gravel
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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 WaveRelatively High
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
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 $1,896$22,752
Home Insurance *$198$2,376
Property Taxes $164$1,968
Electricity $184$2,212
Total$2,442$29,304
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$83,725/yr
40% on housing$73,260/yr
45% on housing$65,120/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

$234This listing

vs Other Active Listings

Avg $/sqft

ZIP 46561$172
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
2026-08-06Price change$365,000
2026-07-27Price change$375,000
2026-07-17Listed for sale$399,900
2025-11-26Sold$104,500
2025-11-19Pending sale$80,000
2025-11-13Listed for sale$80,000

For Sale by Agent

AgentPhyllis DeVorkin
BrokerageBerkshire Hathaway HomeServices Northern Indiana Real Estate

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