Enjoy true riverfront living on the St. Joe River with this rare 1.4-acre property offering expansive space, privacy, and endless potential. With river frontage and such a large lot, this setting is ideal for those seeking room to roam, entertain, and fully embrace waterfront living. The spacious 5-bedroom, 3 full bath home features an open, airy layout with 9-foot ceilings, and large oak trim.The kitchen is well-appointed with granite countertops, wood cabinetry, and stainless steel appliances, flowing seamlessly into the main living areas. Recent exterior updates enhance both function and enjoyment, including a new roof (2025), deck (2024), and pier (2024). A cement seawall and boathouse make this property perfectly suited for maximizing your time on the water. The main level offers convenient laundry and a primary suite complete with a walk-in closet, additional closet space, double vanity, jetted tub, and walk-in shower. The finished partial basement provides additional flexible space for recreation or entertaining. Outside, the expansive lot offers a beautiful mix of open and partially wooded space, along with a 10x18 shed and a small fenced area. Additional features include an oversized heated 2-car garage, loft space, reverse osmosis system, and water softener. A rare opportunity to own a spacious home with significant acreage and prime river frontage—perfect for those looking to enjoy both indoor comfort and outdoor lifestyle.
Pending
Price cut: $5.1K (4/30)
$559,900
10227 Jefferson Rd, Osceola, IN 46561
5beds
3,334sqft
Single Family Residence
Built in 1953
1.4 Acres Lot
$549,500 Zestimate®
$--/sqft
$-- HOA
What's special
Loft spaceRiver frontageCement seawall and boathouseSmall fenced areaLarge oak trimNew roof
- 78 days |
- 671 |
- 31 |
Zillow last checked:
Listing updated:
Listed by:
Adam Pendl Cell:574-532-2522,
eXp Realty, LLC
Source: IRMLS,MLS#: 202611656
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 3
- Main level bedrooms: 2
Bedroom 1
- Level: Main
Bedroom 2
- Level: Upper
Dining room
- Level: Main
- Area: 297
- Dimensions: 27 x 11
Family room
- Level: Upper
- Area: 378
- Dimensions: 14 x 27
Kitchen
- Level: Main
- Area: 192
- Dimensions: 16 x 12
Living room
- Level: Main
- Area: 375
- Dimensions: 25 x 15
Heating
- Natural Gas, Forced Air
Cooling
- Central Air, Other
Appliances
- Included: Dishwasher, Microwave, Refrigerator, Washer, Dryer-Gas, Electric Range
Features
- Windows: Window Treatments
- Basement: Full,Partially Finished
- Has fireplace: No
Interior area
- Total structure area: 3,525
- Total interior livable area: 3,334 sqft
- Finished area above ground: 2,778
- Finished area below ground: 556
Video & virtual tour
Property
Parking
- Total spaces: 2
- Parking features: Attached
- Attached garage spaces: 2
Features
- Levels: Two
- Stories: 2
- Exterior features: Boat Lift-Permanent
- Has view: Yes
- On waterfront: Yes
- Waterfront features: Waterfront, Pier/Dock Available, Deeded, River Front, River
- Body of water: Saint Joseph River
- Frontage length: Water Frontage(87)
Lot
- Size: 1.4 Acres
- Dimensions: 124x435
Details
- Additional structures: Shed
- Additional parcels included: 7110-09-226-005.000-031
- Parcel number: 711009226004.000031
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- Vinyl Siding
Condition
- New construction: No
- Year built: 1953
Utilities & green energy
- Sewer: Septic Tank
- Water: Private
Community & HOA
Community
- Subdivision: None
Location
- Region: Osceola
Financial & listing details
- Tax assessed value: $489,600
- Annual tax amount: $4,168
- Date on market: 4/6/2026
- Listing terms: Cash,Conventional,FHA,VA Loan
Estimated market value
$549,500
$522,000 - $577,000
$3,496/mo
Price history
| Date | Event | Price |
|---|---|---|
| 6/17/2026 | Pending sale | $559,900 |
Source:  IRMLS #202611656 Report a problem | ||
| 4/30/2026 | Price change | $559,900-0.9% |
Source: IRMLS #202611656 Report a problem | ||
| 4/6/2026 | Listed for sale | $565,000 |
Source: IRMLS #202611656 Report a problem | ||
| 10/1/2025 | Listing removed | $565,000 |
Source: IRMLS #202522016 Report a problem | ||
| 7/18/2025 | Price change | $565,000-1.7% |
Source: IRMLS #202522016 Report a problem | ||
| 6/10/2025 | Listed for sale | $575,000+64.3% |
Source: IRMLS #202522016 Report a problem | ||
| 9/1/2018 | Sold | $350,000-1.4%$105/sqft |
Source: Agent Provided Report a problem | ||
| 7/26/2018 | Price change | $355,000-2.7%$106/sqft |
Source: RE/MAX 100 #201829697 Report a problem | ||
| 7/7/2018 | Listed for sale | $365,000$109/sqft |
Source: RE/MAX 100 #201829697 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $2,528 -3.6% | $489,600 +72.8% |
| 2024 | $2,622 -31.1% | $283,400 -2.7% |
| 2023 | $3,807 +38.4% | $291,300 -22% |
| 2022 | $2,751 +6.2% | $373,600 +43.6% |
| 2021 | $2,591 +24.8% | $260,100 +3.3% |
| 2020 | $2,076 +7.5% | $251,900 +18.1% |
| 2019 | $1,932 -6.1% | $213,300 +1.7% |
| 2018 | $2,058 +123.2% | $209,800 -0.3% |
| 2017 | $922 -0.1% | $210,400 +70.2% |
| 2016 | $922 -5.8% | $123,600 +0.7% |
| 2014 | $979 -13.1% | $122,700 -3% |
| 2013 | $1,127 +9% | $126,500 +0.3% |
| 2012 | $1,034 -9.4% | $126,100 -13.1% |
| 2011 | $1,141 +5.9% | $145,100 |
| 2010 | $1,077 -22.2% | $145,100 -16.7% |
| 2009 | $1,385 | $174,100 -1% |
| 2007 | -- | $175,800 -16.2% |
| 2006 | $1,339 +10.8% | $209,700 |
| 2004 | $1,208 -4.1% | $209,700 -16.4% |
| 2003 | $1,260 | $250,940 +2706.9% |
| 2001 | -- | $8,940 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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Climate risks
Neighborhood: 46561
Nearby schools
GreatSchools rating
- 9/10Moran Elementary SchoolGrades: K-5Distance: 1.3 mi
- 8/10Schmucker Middle SchoolGrades: 6-8Distance: 2.3 mi
- 10/10Penn High SchoolGrades: 9-12Distance: 2.1 mi
Schools provided by the listing agent
- Elementary: Moran
- Middle: Schmucker
- High: Penn
- District: Penn-Harris-Madison School Corp.
Source: IRMLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
A local agent can set up tours, give advice and negotiate with sellers.
- Indiana
- Saint Joseph County
- Osceola
- 46561
- 10227 Jefferson Rd
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