Listing courtesy of Weichert Rltrs-J.Dunfee&Assoc. · Listing agent: Brianna Merz
10098 Jefferson Road
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
- 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.
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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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