Listing courtesy of Weichert Rltrs-J.Dunfee&Assoc. · Listing agent: Nicholas Bickel
11680 Jefferson Road
Osceola, IN 46561-9537
Original price $699,900 · Price reduced on September 27, 2026
- On St. Joe River Lower
- 3-car garage
- Fireplace
- Basement
- Energy efficient
- Bedrooms
- 4
- Bathrooms
- 4
- Living area
- 3,520 sq ft
- Lot
- 0.7 ac
- Year built
- 1958
- Type
- Site-Built Home
- Listed
- August 21, 2026
- MLS #
- 202634357
About this home
Welcome to an extraordinary St. Joseph River property where pristine condition, breathtaking views, and exceptional living spaces come together on nearly 3/4 of an acre. This immaculate four bedroom, four full bath home is truly move in ready and offers a rare opportunity to enjoy beautiful riverfront living with nothing left to do but move in and enjoy. The expansive, beautifully maintained and completely flat yard stretches gracefully toward the St. Joseph River, creating a spectacular setting for entertaining, relaxing, or simply taking in the breathtaking views. An updated cantilever pier provides convenient year round enjoyment without the hassle of removing and reinstalling the pier each season. Inside, natural light pours into the home, particularly throughout the spacious kitchen and living room, where the river views become part of the everyday experience. The kitchen is beautifully appointed with updated appliances and a Viking range designed for the chef who loves to cook and entertain. The finished lower level takes this home to another level, offering a true mother in law suite complete with a full kitchen, fireplace, full bathroom, bedroom, and walkout access. A separate movie room/office provides even more flexibility for guests, extended family, a home office, or your own private retreat. With four bedrooms, four full bathrooms, abundant living space, an incredible riverfront setting, and an expansive yard, this home offers everything you could want and more. Meticulously maintained and absolutely pristine, this is a rare riverfront property in Penn Harris Madison school district where luxury, comfort, functionality, and spectacular views come together. Simply unpack, settle in, and enjoy the St. Joseph River lifestyle!
Monthly payment estimate
$4,319/mo
- Principal & interest
- $3,739
- Property taxes
- $381
- Homeowners insurance
- $199
- 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
- Total rooms
- 11
- Total area
- 4,083 sq ft
- Finished area above grade
- 2,116 sq ft
- Finished area below grade
- 1,404 sq ft
- Unfinished area below grade
- 563 sq ft
- Below grade total
- 1,967 sq ft
- Bedrooms above grade
- 3
- Bedrooms below grade
- 1
- Full baths, main level
- 3
- Full baths, below grade
- 1
- Basement
- Sump Pump, Full, Walk-Out Basement, Finished, Outside Entrance
- Flooring
- Hardwood, Carpet, Tile
- Heating
- Natural Gas, Forced Air
- Cooling
- Central Air
- HVAC
- High Efficiency Furnace
- Fireplaces
- 1
- Fireplace features
- Family Room, Fireplace Screen/Door, Wood Burning
- Appliances
- Disposal
- Laundry
- Gas Dryer Hookup, Main Level
- Interior features
- Hot Tub/Spa, 1st Bdrm En Suite, Alarm System-Security, Storage, Balcony, Built-In Home Theatre, High Ceilings, Walk-In Closet(s), Countertops-Solid Surf, Crown Molding, Deck on Waterfront, Detector-Smoke, Eat-in Kitchen, Guest Quarters, Irrigation System, Kitchen Island, Six Panel Doors, Utility Sink, Workshop, Main Level Bedroom Suite, Main Floor Laundry, Custom Cabinetry
- Windows
- Double Pane Windows
- Doors
- Insulated Door(s)
Exterior & parking
- Style
- Ranch
- Construction
- Brick, Cedar, Limestone
- Roof
- Asphalt, Shingle
- Foundation
- Poured Concrete
- Garage spaces
- 3
- Attached garage
- Yes
- Garage type
- Attached
- Garage sq ft
- 810 sq ft
- Parking
- Concrete
- Private pool
- No
- Other structures
- Outbuilding
- New construction
- No
- Energy-efficient features
- Appliances, Doors, Lighting, Roof, Thermostat, Windows
Waterfront & lake
- Waterfront
- Yes
- Body of water
- St. Joe River Lower
- Waterfront features
- Boat Docking Rights, Pier/Dock
- Water access
- Riverfront
- Water frontage
- 103 ft
- Sea wall
- Steel
- Water feature
- River
Lot
- Lot features
- Landscaped, Level, Waterfront, Water View, Waterfront-Level Bank
- Lot size (acres)
- 0.7 ac
- Lot dimensions
- 100X305
- County
- St. Joseph County
- Township
- Penn
- Lots
- 11
- Platted
- Yes
- Planned unit development
- No
- Directions
- BITTERSWEET TO JEFFERSON
Schools
- Elementary school
- Bittersweet
- Middle school
- Schmucker
- High school
- Penn
- School district
- Penn-Harris-Madison School Corp.
Taxes & terms
- Annual taxes
- $4,566
- Tax year
- 2026
- Tax exemptions
- Homestead
- Listing terms
- Cash, Conventional, FHA, VA
- Possession
- At Closing
- Parcel number
- 71-10-08-176-003.000-031
Included in the sale
- Included in sale
- Dishwasher,Microwave,Refrigerator,Washer,Window Treatments,Cooktop-Gas,Dryer-Gas,Freezer,Kitchen Exhaust Hood,Oven-Gas,Range-Gas,Sump Pump,Water Filtration System,Water Heater Electric,Water Softener-Owned,Window Treatment-Blinds
Utilities
- Water
- City
- Well
- Private
- Sewer
- Septic Tank
Income & commercial
- Gas meters
- 15
Location
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