Imagine coming home to peaceful water views and gentle rhythm of the ST. Joseph River . This charming one-story waterfront home sits on Baugo Bay, offering a cozy retreat filled with character and warmth. Built in 1935, the home features one bedroom, one bathroom, and approximately 764 square feet of inviting living space, plus a basement for added storage, a deck, a pierre, 1 car detached garage Whether you're sipping your morning coffee by the water, enjoying quiet evenings, or looking for a weekend escape, this home delivers a rare opportunity to own a piece of river front living. All appliances stay, making it easy to move in and start enjoying the lifestyle right away. ( Contingent upon seller finding suitable housing . )
Closed
$200,000
522 Garfield St, Osceola, IN 46561
1beds
764sqft
Single Family Residence
Built in 1935
3,049.2 Square Feet Lot
$201,400 Zestimate®
$--/sqft
$1,075 Estimated rent
Home value
$201,400
$181,000 - $224,000
$1,075/mo
Zestimate® history
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List your homeWhat's special
Basement for added storagePeaceful water viewsInviting living spaceOne-story waterfront homeAll appliances stay
Zillow last checked:
Listing updated:
Listed by:
Jenniffer Panzo-Hernandez 574-349-1300,
Realty of America LLC
Bought with:
Mike Schade, RB14022266
Cressy & Everett- Elkhart
Source: IRMLS,MLS#: 202600569
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
- Main level bedrooms: 1
Bedroom 1
- Level: Main
Dining room
- Level: Main
- Area: 70
- Dimensions: 14 x 5
Kitchen
- Level: Main
- Area: 143
- Dimensions: 13 x 11
Living room
- Level: Main
- Area: 476
- Dimensions: 28 x 17
Heating
- Natural Gas
Cooling
- Central Air
Appliances
- Included: Refrigerator
Features
- Flooring: Carpet
- Basement: Full,Concrete
- Has fireplace: No
- Fireplace features: Living Room
Interior area
- Total structure area: 764
- Total interior livable area: 764 sqft
- Finished area above ground: 764
- Finished area below ground: 0
Property
Parking
- Total spaces: 1
- Parking features: Detached, Garage Door Opener, Gravel
- Garage spaces: 1
- Has uncovered spaces: Yes
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck
- Fencing: None
- Has view: Yes
- Waterfront features: Waterfront, Pier/Dock, River Front, River
- Body of water: Baugo Bay
- Frontage length: Water Frontage(34)
Lot
- Size: 3,049 sqft
- Dimensions: 34x92
- Features: Rural
Details
- Parcel number: 711009305008.000030
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subtype: Single Family Residence
Materials
- Aluminum Siding, Vinyl Siding
- Roof: Shingle
Condition
- New construction: No
- Year built: 1935
Utilities & green energy
- Gas: NIPSCO
- Sewer: Septic Tank
- Water: Well
Community & neighborhood
Community
- Community features: None
Location
- Region: Osceola
- Subdivision: None
Other
Other facts
- Listing terms: Cash,Conventional,FHA
- Road surface type: Gravel
Price history
| Date | Event | Price |
|---|---|---|
| 4/2/2026 | Sold | $200,000+0.3% |
Source:  IRMLS #202600569 Report a problem | ||
| 1/30/2026 | Pending sale | $199,500 |
Source: IRMLS #202600569 Report a problem | ||
| 1/7/2026 | Listed for sale | $199,500 |
Source: IRMLS #202600569 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $398 +2% | $108,300 +3.3% |
| 2024 | $390 -49.2% | $104,800 -1.1% |
| 2023 | $768 -30.2% | $106,000 |
| 2022 | $1,100 +2.3% | $106,000 -15.1% |
| 2021 | $1,075 -7.3% | $124,800 |
| 2020 | $1,160 +43.4% | $124,800 -7.1% |
| 2019 | $809 +7.3% | $134,300 +20.8% |
| 2018 | $754 -2.9% | $111,200 +0.8% |
| 2017 | $777 +0.4% | $110,300 |
| 2016 | $774 +22% | $110,300 +14.2% |
| 2014 | $634 -3.5% | $96,600 |
| 2013 | $657 +0.3% | $96,600 -1.4% |
| 2012 | $655 +13% | $98,000 +4.5% |
| 2011 | $580 +9% | $93,800 |
| 2010 | $532 -0.5% | $93,800 |
| 2009 | $535 | $93,800 +8.1% |
| 2007 | -- | $86,800 +52.3% |
| 2006 | $238 +9.1% | $57,000 |
| 2004 | $218 -2.5% | $57,000 -17.5% |
| 2003 | $223 | $69,090 +1614.4% |
| 2001 | -- | $4,030 |
Find assessor info on the county website
Neighborhood: 46561
Nearby schools
GreatSchools rating
- 9/10Moran Elementary SchoolGrades: K-5Distance: 0.4 mi
- 6/10Virgil I Grissom Middle SchoolGrades: 6-8Distance: 5.3 mi
- 10/10Penn High SchoolGrades: 9-12Distance: 1.5 mi
Schools provided by the listing agent
- Elementary: Moran
- Middle: Grissom
- 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.
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- Indiana
- Saint Joseph County
- Osceola
- 46561
- 522 Garfield St
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