Listing courtesy of Weichert Rltrs-J.Dunfee&Assoc. · Listing agent: Nicholas Bickel

Virtual tour
ActiveSite-Built Home

11680 Jefferson Road

$683,000

$322.78 / sq ft

Est. $4,319/mo

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
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
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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