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Single Family ResidenceResidential
$247,655$177 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

10165 CHARLES ST

OSCEOLA, IN 46561
3
Beds
2 / 1
Baths
1,400 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.32 ac
Lot SizeThe size of the land the home sits on, from county records.
1996
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$248K
$235K low$260K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,605 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$193,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$46,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$146,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$192,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$193,000

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.10 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountySt. Joseph
Lot (acres)The size of the land the home sits on, from county records.0.32
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Shed · 144 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Moran Elementary SchoolA+
Elementary · Grades KG–5 · 1.0 mi
H
Penn High SchoolA+
High · Grades 9–12 · 2.3 mi
M
Grissom Middle SchoolB-
Middle · Grades 6–8 · 5.7 mi

District: Penn-Harris-Madison School Corporation

Neighborhood · ZIP 46561These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.44
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.26

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.11,866
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.935 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$82,346
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$98,351
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.38 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

10165 Charles St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Costs more per square foot than 68% of homes in St. Joseph County
  • Has a smaller lot than 69% of homes in Osceola 46561
  • Newer than 84% of homes in St. Joseph County

What homes are worth in Osceola 46561

Each bar is how many homes fall in that price range. The marker is this home.

This home
$94K$645K

This home is worth more than 41% of homes in Osceola 46561.

How it measures up in Osceola 46561

The dot is this home. The mark in the middle is the typical home in Osceola 46561.

Estimated value$247,655
CheaperTypical $273,926Pricier

Pricier than 41% of homes nearby

Price per ft²$177
CheaperTypical $175Pricier

Pricier than 52% of homes nearby

Living area1,400 ft²
SmallerTypical 1,479 ft²Bigger

Bigger than 44% of homes nearby

Lot size0.32 ac
SmallerTypical 0.37 acBigger

Bigger than 31% of homes nearby

Year built1996
OlderTypical 1987Newer

Newer than 65% of homes nearby

How 10165 Charles St ranks against every home in each area.
MeasureThis homeOsceola 46561St. Joseph County
Estimated valuepricier than$247,65541% of homes59% of homes
Price per ft²pricier than$17752% of homes68% of homes
Living areabigger than1,400 ft²44% of homes48% of homes
Lot sizebigger than0.32 ac31% of homes58% of homes
Year builtnewer than199665% of homes84% of homes

About 10165 Charles St

How much is 10165 Charles St, Osceola, IN worth?

The TopHap Estimate for 10165 Charles St, Osceola, IN is $247,655 as of Aug 30, 2026. The likely range is $235,062 to $260,248. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 10165 Charles St, Osceola, IN last sell?

10165 Charles St, Osceola, IN last sold on Mar 9, 2018, according to the county's recorded deed.

How big is 10165 Charles St, Osceola, IN?

10165 Charles St, Osceola, IN has 3 bedrooms, 2 bathrooms, 1,400 square feet of living space and a 0.32-acre lot.

When was 10165 Charles St, Osceola, IN built?

10165 Charles St, Osceola, IN was built in 1996, making it 30 years old. The building has 2 stories.

What schools serve 10165 Charles St, Osceola, IN?

10165 Charles St, Osceola, IN is assigned to Moran Elementary School (elementary), rated A+; Penn High School (high), rated A+; Grissom Middle School (middle), rated B-. All sit in Penn-Harris-Madison School Corporation. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 10165 Charles St, Osceola, IN compare to other homes in Osceola 46561?

Among the 4,987 homes in Osceola 46561, it is worth more than 41% of them ($247,655 against a typical $273,926), its price per square foot is higher than 52% of them ($177 against a typical $175), it is bigger than 44% of them (1,400 ft² against a typical 1,479 ft²), its lot is bigger than 31% of them (0.32 ac against a typical 0.37 ac) and it is newer than 65% of them (1996 against a typical 1987). Measured against all of St. Joseph County, it is worth more than 59% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 10165 Charles St, Osceola, IN?

The 2024 property tax bill for 10165 Charles St, Osceola, IN was $1,605. The county assessed it at $193,000.

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