5 beds3,092 sqft$241/sqft
10098 Jefferson Rd, Osceola, IN 46561
Est: $4,220/moGet pre-approved

Description

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....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!
LISTING UPDATED: 08/11/2026 06:02 PM

  1. Listed by Brianna Merz • Weichert Rltrs-J.Dunfee&Assoc.

Property Details for 10098 Jefferson Road

Status
MLS #
202632571
Days on Market
Listed Today
Taxes
$5,201 / year
HOA Fees
-
Condo/Co-op Fees
-
Property Type
MLS Type
Residential / Site-Built Home
Year Built
1951
Lot Size
0.57 AC / 24,829 SF
Style
One and Half Story
Subdivision
None
Waterfront
Yes
Garage/Number Of Cars
3

Location

Listing Courtesy of Weichert Rltrs-J.Dunfee&Assoc.
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Building Information for 10098 Jefferson Road

Stories-Year Built1951Building Size-Lot Size0.57 AC / 24,829 SF

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$4,220 per month

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Principal and Interest

$3,787

Property Taxes

$433

HOA Dues

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Property Information for 10098 Jefferson Road

Summary
Location and General Information
  • Area: St. Joseph County
  • City: Osceola
  • Zip Code: 46561
  • State: IN
  • Township: Penn
  • Geo Latitude: 42
  • Geo Longitude: -86
  • Fips Code: 18141
  • Directions To Property: Heading on Jefferson towards Ash, home will be on your right.
  • Sea Wall Type: Concrete
  • Water Frontage: 106.0
Taxes and HOA
  • Annual Taxes: $5,201
  • Assoc Dues Frequency: Not Applicable
  • Year Taxes Payable: 2026 pay 2027
  • Parcel Number Id: 71-10-09-228-005.000-031
School Information
  • School District: Penn-Harris-Madison School Corp.
  • Elementary: Moran
  • Middle School: Schmucker
  • High School: Penn
Parking
  • Garage Length: 21.0
  • Garage Width: 40.0
  • Garage: Yes
  • Garage Type: Attached
Property
Lot Information
  • Class: RESIDENTIAL
  • Property Subtype: Site-Built Home
  • Approx Lot Size Acres: 0.57
  • Lot Dimensions: 106 x 234
  • Below Grade Unfin Sqft: 1084.0
  • Total Square Feet: 4176.0
  • Approx Lot Size Sqft: 24829.0
  • Above Grade Finished Sqft: 2519.0
  • Below Grade Finished Sqft: 573.0
  • Total Below Grade Sqft: 1657.0
  • Total Finished Sqft: 3092.0
  • Garage Square Feet: 840.0
  • Above Grade Unfin Sqft: 0.0
  • Lot Description: Level
  • Outbuilding 1 Length: 10.0
  • Outbuilding 1 Sqft: 100
  • Outbuilding 1 Width: 10.0
  • Floor Plans Count: 0.0
Property and Assessments
  • New Construction: No
  • Year Built: 1951
  • Age: 75
  • Planned Unit Development: No
Utilities
  • Water Type: River
  • Water Access: Riverfront
  • Water Name: Saint Joseph River
  • Water Utility: Well
  • Well Type: Private
  • Sewer: Septic
Interior and Exterior Features
Exterior Features
  • Exterior: Brick, Vinyl, Limestone
  • Fence: Invisible
  • Outbuilding 1: None
  • Platted: Yes
  • Pool: No
  • Roof Material: Asphalt
Interior Features
  • Number of Fireplaces: 3
  • Basement: Yes
  • Basement/Foundation: Partially Finished
  • Cooling: Central Air
  • Fireplace: Wood Burning
  • Fireplace: Yes
  • Heating/Fuel: Forced Air
  • Number of Above Grade Bedrooms: 4
  • Number of Below Grade Baths: 2
  • Number of Below Grade Bedrooms: 1
  • Number of Full Baths Below Grade: 2
  • Number of Full Baths Main: 1
  • Number of Full Baths Upper: 1
  • Number of Half Baths Below Grade: 0
  • Number of Half Baths Main: 1
  • Number of Half Baths Upper: 0
  • Number of Total Rooms: 14
  • Total Number of Bedrooms: 5
  • Total Number of Full Baths: 4
  • Total Number of Half Baths: 1
  • Total Baths: 5
  • Total Number of Rooms Below Grade: 7
Room
Room Information
  • 1st Bedroom Length: 13.0
  • 1st Bedroom Level: Main
  • 1st Bedroom Width: 12.0
  • 2nd Bedroom Length: 13.0
  • 2nd Bedroom Level: Main
  • 2nd Bedroom Width: 8.0
  • 3rd Bedroom Length: 15.0
  • 3rd Bedroom Level: Upper
  • 3rd Bedroom Width: 17.0
  • 4th Bedroom Length: 12.0
  • 4th Bedroom Level: Upper
  • 4th Bedroom Width: 20.0
  • 5th Bedroom Length: 14.0
  • 5th Bedroom Level: Lower
  • 5th Bedroom Width: 14.0
  • Dining Room Length: 13.0
  • Dining Room Level: Basement
  • Dining Room Width: 14.0
  • Family Room Length: 17.0
  • Family Room Level: Lower
  • Family Room Width: 21.0
  • Kitchen Length: 14.0
  • Kitchen Level: Main
  • Kitchen Width: 12.0
  • Laundry Room Length: 10.0
  • Laundry Level: Upper
  • Laundry Room Width: 7.0
  • Living/Great Room Length: 22.0
  • Living/Great Room Level: Main
  • Living/Great Room Width: 15.0
  • Rec Rm Length: 30.0
  • Rec Rm Level: Lower
  • Rec Rm Width: 16.0

Property History for 10098 Jefferson Road

DateEvent & SourcePriceAppreciation
Aug 11, 2026

Listed (Active)

Indiana Regional MLS #202632571

$745,000
DateEvent & SourcePrice
08/11/2026

Listed (Active)

Indiana Regional MLS #202632571

$745,000

For completeness, we often displays two records for one sale: the MLS record and the public record.

Public Records for 10098 Jefferson Road

Taxable ValueLand$102,500Additions$501,200Total$603,700
Tax Record2024$4,018 ($335 / month)
Home Facts
Beds3Baths2.5Total Finished SqFt2,314 SqFtAbove Grade Finished SqFt1,741 SqFtFinished Basement SqFt573 SqFtStories2Lot Size24,804 SqFtStyleSingle Family ResidenceYear Built1951Year Renovated1985CountyST. JOSEPHAPN71-10-09-228-005.000-031Fireplace TypeHas Fireplace

Schools near 10098 Jefferson Road

This home is within Penn-Harris-Madison Sch Corp.
Rating
School
Type
Grades
Distance
Public - K to 5
Public - 6 to 8
Public - 9 to 12
Rating
School
Distance
Moran Elementary School
PublicK to 5

Schmucker Middle School
Public6 to 8

Penn High School
Public9 to 12

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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10098 Jefferson Road is a single family home for sale in Osceola, IN 46561. This listing's school district is Penn-Harris-Madison Sch Corp. Nearby schools include Moran Elementary School, Schmucker Middle School and Penn High School. 10098 Jefferson Road is a 5-bed, 5-bath, 3,092 sqft single family home built in 1951.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of any information, descriptions or measurements (including square footage measurements and property condition), such should be independently verified through appropriate means, including, but not limited to, in person inspection and public records, and Compass International Holdings, its subsidiaries, affiliates and independently owned and operated franchisees, and their affiliated agents and associated third parties expressly disclaim any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the seller's discretion. No financial or legal advice provided. Equal Housing Opportunity. Subject to change at any time. Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties make no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.

Listing Courtesy of Weichert Rltrs-J.Dunfee&Assoc.

Based on information from one of the following Multiple Listing Services: MIBOR MLS,IRMLS,Southern Indiana REALTORS® Association,Southeastern Indiana Board of REALTORS. Information being provided is for the visitor’s personal, noncommercial use and may not be used for any purpose other than to identify prospective properties visitor may be interested in purchasing. The data contained herein is copyrighted by MIBOR MLS,IRMLS,Southern Indiana REALTORS® Association,Southeastern Indiana Board of REALTORS is protected by all applicable copyright laws. Any dissemination of this information is in violation of copyright laws and is strictly prohibited. Property information referenced on this web site comes from the Internet Data Exchange (IDX) program of the MLS. This web site may reference real estate listing(s) held by a brokerage firm other than the broker and/or agent who owns this web site. For the avoidance of doubt, the accuracy of all information, regardless of source, is deemed reliable but not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals.