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10374 Douglas Rd, Osceola, IN, 46561

6beds
2baths
2,080sqft
$678,000
$326price/sqft
$4,545/moest. monthly cost
$181,800/yrincome needed

About This Home

11.83 acres of Homestead Heaven in PHM Schools- zoned for agriculture! This spacious 6 bed, 2 bath home offers an eat-in kitchen, new appliances, durable metal roof and giant primary bedroom. Enjoy morning coffee or sunset dinners on the large back deck, overlooking your private pond complete with a solar-powered fountain. Need space for equipment, hobbies, or storage? The 3,240 sq ft pole barn and attached lean-to with 200amp service provides ample room for vehicles, tools, workshop or storing seasonal gear. The fenced yard is perfect for pets or play, while the 4 acres of hay and lean-to shelter make this property ideal for horse lovers or small-scale farming, currently home to goats. A standout feature is the 4-acre Christmas tree farm that could generate between $20k-$50k a year if maintained! This property offers the best of country living while still being within reach of modern conveniences.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

7/10
8/10
Schmucker Middle SchoolGrades 6-83.0 mi
10/10
Penn High SchoolGrades 9-122.8 mi

Construction

Condition

  • Year built: 1973

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Washer,Dryer-Electric,Freezer,Gas Range

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 2

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,080

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,080
  • Total interior livable area: 2,080 sqft

Kitchen

  • Level: Main
  • Area: 216

Living Room

  • Level: Main
  • Area: 216

Property

Details

  • Parcel number: 710533201004.000031
  • Zoning description: Cash Grain/General Farm

Features

  • Levels: Two
  • Stories: 2
  • Fencing: Chain Link
  • On waterfront: Yes
  • Waterfront features: Pond

Lot

  • Lot size: 11.83 Acres
  • Features: Level

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
    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 $3,428$41,136
Home Insurance *$358$4,296
Property Taxes $569$6,828
Electricity $190$2,288
Total$4,545$54,540
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$155,828/yr
40% on housing$136,350/yr
45% on housing$121,200/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

$326This listing

vs Other Active Listings

Avg $/sqft

ZIP 46561$167
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
2026-05-14Price change$678,000
2026-04-19Price change$699,000
2026-03-23Price change$749,900
2026-02-07Listed for sale$799,900
2025-11-02Listing removed$799,900
2025-10-02Price change$799,900
2025-09-18Price change$849,900
2025-09-13Price change$880,000
2025-08-23Listed for sale$890,000
2016-02-12Sold$120,000
2015-11-23Price change$141,000
2015-08-17Listed for sale$146,000

For Sale by Agent

AgentJessica Verzatt
BrokerageColdwell Banker Real Estate Group

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