# 10098 Jefferson Road, Osceola, IN 46561 > **TL;DR:** 5bd/5ba single family, $689,000 ($223/sqft), built 1951, 3,092 sqft. > Fireplace, Waterfront, A/C, 3-car garage. Est. $3,685/mo. Listed 82 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $689,000 | | Price/sqft | $223 | | Bedrooms | 5 | | Bathrooms | 4 full, 1 half | | Square Feet | 3,092 | | Year Built | 1951 | | Lot Size | 24,829 sqft (0.57 acres) | | Stories | 1 | | Garage | 3-car | | Property Type | Single Family (Other) | | Status | Active | | Days on Market | 82 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed - **Large Garage** - 3-car garage ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $3,484 | | Estimated Insurance | $201 | | **Total** | **$3,685** | ## Nearby Schools - **Elementary:** Moran - **Middle:** Schmucker - **High:** Penn ## Key Amenities - Fireplace - Waterfront - A/C - 3-car garage ## Property Highlights - Built in 1951 - 0.57 acre lot - Fireplace - Waterfront ## Description ### Agent 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. 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! ## Location - **Address:** 10098 Jefferson Road, Osceola, IN 46561 - **County:** St. Joseph County - **Coordinates:** 41.68063, -86.06325 - **Google Maps:** https://www.google.com/maps?q=41.68063,-86.06325 ## Virtual Tour & Media - **Video Tour:** https://www.propertypanorama.com/instaview/irmls/202632571 ## Listing Agent - **Name:** Brianna Merz - **Brokerage:** Weichert Realtors - Jim Dunfee & Associates - **Broker Phone:** (574) 277-7444 ## Photos ![10098 Jefferson Road - Photo 1](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f3629065283r.jpg) ![10098 Jefferson Road - Photo 2](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f2385593367r.jpg) ![10098 Jefferson Road - Photo 3](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f3427579435r.jpg) ![10098 Jefferson Road - Photo 4](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f2603296224r.jpg) ![10098 Jefferson Road - Photo 5](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f2210542389r.jpg) ![10098 Jefferson Road - Photo 6](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f3113836769r.jpg) ![10098 Jefferson Road - Photo 7](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f4261291080r.jpg) ![10098 Jefferson Road - Photo 8](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f3718146194r.jpg) ![10098 Jefferson Road - Photo 9](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f1801453783r.jpg) ![10098 Jefferson Road - Photo 10](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f2475732226r.jpg) ![10098 Jefferson Road - Photo 11](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f715646893r.jpg) ![10098 Jefferson Road - Photo 12](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f2858092726r.jpg) ![10098 Jefferson Road - Photo 13](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f3528742402r.jpg) ![10098 Jefferson Road - Photo 14](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f3112596258r.jpg) ![10098 Jefferson Road - Photo 15](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f1358580807r.jpg) ![10098 Jefferson Road - Photo 16](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f3966335980r.jpg) ![10098 Jefferson Road - Photo 17](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f1745630888r.jpg) ![10098 Jefferson Road - Photo 18](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f3918401214r.jpg) ![10098 Jefferson Road - Photo 19](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f1719338153r.jpg) ![10098 Jefferson Road - Photo 20](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f1672733322r.jpg) ![10098 Jefferson Road - Photo 21](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f2246541227r.jpg) ![10098 Jefferson Road - Photo 22](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f128527282r.jpg) ![10098 Jefferson Road - Photo 23](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f4018099764r.jpg) ![10098 Jefferson Road - Photo 24](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f2622920844r.jpg) ![10098 Jefferson Road - Photo 25](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f1633243662r.jpg) ![10098 Jefferson Road - Photo 26](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f500246154r.jpg) ![10098 Jefferson Road - Photo 27](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f2310563527r.jpg) ![10098 Jefferson Road - Photo 28](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f2489198712r.jpg) ![10098 Jefferson Road - Photo 29](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f4237618845r.jpg) ![10098 Jefferson Road - Photo 30](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f4187324353r.jpg) ![10098 Jefferson Road - Photo 31](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f1959899829r.jpg) ![10098 Jefferson Road - Photo 32](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f1691678090r.jpg) ![10098 Jefferson Road - Photo 33](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f3772075372r.jpg) ![10098 Jefferson Road - Photo 34](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f972677745r.jpg) ![10098 Jefferson Road - Photo 35](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f4105422443r.jpg) ![10098 Jefferson Road - Photo 36](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f2559350000r.jpg) ![10098 Jefferson Road - Photo 37](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f1450260570r.jpg) ![10098 Jefferson Road - Photo 38](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f4178323796r.jpg) ![10098 Jefferson Road - Photo 39](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f415789203r.jpg) ![10098 Jefferson Road - Photo 40](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f2039901193r.jpg) ![10098 Jefferson Road - Photo 41](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f626512750r.jpg) ![10098 Jefferson Road - Photo 42](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f2327129374r.jpg) ![10098 Jefferson Road - Photo 43](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f3492657929r.jpg) ![10098 Jefferson Road - Photo 44](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f688916426r.jpg) ![10098 Jefferson Road - Photo 45](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f1335337793r.jpg) ![10098 Jefferson Road - Photo 46](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f1064071255r.jpg) ![10098 Jefferson Road - Photo 47](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f2467868707r.jpg) ![10098 Jefferson Road - Photo 48](http://lh.rdcpix.com/0e751f1ebdf2991d269a4905c8d93f85l-f2396580991r.jpg) --- **MLS#:** 202632571 | **Updated:** 2026-10-27 **Source:** listhub *Copyright © 2026 Greater South Bend-Mishawaka Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://staging.propertysimple.ai/listing/10098-jefferson-road-osceola-in-46561-4b59faae34b741719158d126cce328b9) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/10098-jefferson-road-osceola-in-46561-4b59faae34b741719158d126cce328b9#listing", "url": "https://staging.propertysimple.ai/listing/10098-jefferson-road-osceola-in-46561-4b59faae34b741719158d126cce328b9", "name": "10098 Jefferson Road, Osceola, IN 46561", "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. 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. 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