Listing courtesy of Weichert Rltrs-J.Dunfee&Assoc. · Listing agent: Brianna Merz

Virtual tour
ActiveSite-Built Home

10098 Jefferson Road

$689,000

$273.52 / sq ft

Est. $4,405/mo

Osceola, IN 46561

Original price $745,000 · Price reduced on September 22, 2026

  • On Saint Joseph River
  • 3-car garage
  • Fireplace
  • Basement
Bedrooms
5
Bathrooms
4.5
Living area
3,092 sq ft
Lot
0.57 ac
Year built
1951
Type
Site-Built Home
Listed
August 11, 2026
MLS #
202632571

About this home

Experience the beauty and serenity of waterfront living in this stunning 5 bedroom, 4.5 bath home with over 105 feet of frontage on the lower St. Joseph River! Designed for enjoying the outdoors and centered around entertaining, this home offers multiple outdoor living spaces. Relax or gather with friends on the upper deck with awning just off the dining room, or enjoy the unique indoor/outdoor flexible living area with double glass garage doors that flow seamlessly to a spacious concrete patio. Whether you're hosting a summer gathering, enjoying your morning coffee by the water, or simply taking in the river views, this property makes the most of its spectacular setting. Leading down to the river, you will find meticulously landscaped grounds, a striking boulder retaining wall, another deck and mature perennials creating a picturesque setting that feels like your own private retreat. Inside and out, extensive improvements have enhanced the home while preserving its inviting character and functionality for years to come (please see attached update list - too many to note!). The partially finished basement adds incredible versatility with a full bath, kitchenette, bedroom, and private entrance - ideal for guests, extended family, a private retreat, or additional living space. An unfinished portion of the basement provides abundant storage. 3-car attached garage offers plenty of room for vehicles, recreational equipment, and all the gear that comes with enjoying life on the river. With its exceptional river frontage, beautifully landscaped setting, generous living space, extensive updates, and remarkable indoor-outdoor entertaining options, this is more than a home - it’s an opportunity to embrace the St. Joseph River lifestyle every day. Schedule your showing today!

Monthly payment estimate

$4,405/mo

Principal & interest
$3,771
Property taxes
$433
Homeowners insurance
$201
Your loan

  • Rate: Freddie Mac's 30-year fixed average for the week of October 1, 2026.
  • Taxes: the seller's 2026 bill as reported to the MLS. Yours may differ once your own deductions apply.
  • Insurance: estimated at 0.35% of the price per year.
  • An estimate, not a loan offer. Your rate and payment depend on your credit, loan program and down payment.
Change taxes, insurance and more in the full calculator

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Property details

Interior

Levels
One and One Half
Total rooms
14
Total area
4,176 sq ft
Finished area above grade
2,519 sq ft
Finished area below grade
573 sq ft
Unfinished area below grade
1,084 sq ft
Below grade total
1,657 sq ft
Bedrooms above grade
4
Bedrooms below grade
1
Full baths, main level
1
Full baths, upper level
1
Full baths, below grade
2
Half baths, main level
1
Basement
Partially Finished
Heating
Forced Air
Cooling
Central Air
Fireplaces
3
Fireplace features
Wood Burning
Laundry
Upper Level

Exterior & parking

Construction
Brick, Vinyl Siding, Limestone
Roof
Asphalt
Garage spaces
3
Attached garage
Yes
Garage type
Attached
Garage sq ft
840 sq ft
Private pool
No
Fencing
Invisible
Outbuilding 1
100 sq ft
New construction
No

Waterfront & lake

Waterfront
Yes
Body of water
Saint Joseph River
Water access
Riverfront
Water frontage
106 ft
Sea wall
Concrete
Water feature
River

Lot

Lot features
Level
Lot size (acres)
0.57 ac
Lot dimensions
106 x 234
County
St. Joseph County
Township
Penn
Platted
Yes
Planned unit development
No
Directions
Heading on Jefferson towards Ash, home will be on your right.

Schools

Elementary school
Moran
Middle school
Schmucker
High school
Penn
School district
Penn-Harris-Madison School Corp.

Taxes & terms

Annual taxes
$5,201
Tax year
2026
Listing terms
Cash, Conventional
Possession
Negotiable
Parcel number
71-10-09-228-005.000-031

Included in the sale

Included in sale
Dishwasher,Refrigerator,Cooktop-Electric,Dryer-Electric,Oven-Electric,Range-Electric,Range-Gas

Utilities

Water
Well
Well
Private
Sewer
Septic Tank

Income & commercial

Gas meters
20

Location

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