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Single Family ResidenceResidential
$311,288$107 / 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 64How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

10186 CHARLES ST

OSCEOLA, IN 46561
3
Beds
3
Baths
2,908 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.
1.33 ac
Lot SizeThe size of the land the home sits on, from county records.
1987
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
11
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$311K
$200K low$423K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,174 (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.$415,100 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$141,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$273,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$409,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$415,100

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.12 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.1.33
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
PoolWhether the property has a pool, and what kind, such as in-ground.Pool (Unspecified), Enclosed

Transaction History(1)

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 · 0.9 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

10186 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.

  • Worth more than 75% of homes in St. Joseph County
  • Costs less per square foot than 93% of homes in Osceola 46561
  • Bigger than 97% of homes in Osceola 46561
  • Has a bigger lot than 91% of homes in Osceola 46561
  • Newer than 75% 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
$93K$652K

This home is worth more than 63% 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$311,288
CheaperTypical $278,171Pricier

Pricier than 63% of homes nearby

Price per ft²$107
CheaperTypical $178Pricier

Pricier than 7% of homes nearby

Living area2,908 ft²
SmallerTypical 1,476 ft²Bigger

Bigger than 97% of homes nearby

Lot size1.33 ac
SmallerTypical 0.37 acBigger

Bigger than 91% of homes nearby

Year built1987
OlderTypical 1987Newer

Newer than 51% of homes nearby

How 10186 Charles St ranks against every home in each area.
MeasureThis homeOsceola 46561St. Joseph County
Estimated valuepricier than$311,28863% of homes75% of homes
Price per ft²pricier than$1077% of homes21% of homes
Living areabigger than2,908 ft²97% of homes95% of homes
Lot sizebigger than1.33 ac91% of homes91% of homes
Year builtnewer than198751% of homes75% of homes

About 10186 Charles St

How much is 10186 Charles St, Osceola, IN worth?

The TopHap Estimate for 10186 Charles St, Osceola, IN is $311,288 as of Sep 24, 2026. The likely range is $199,517 to $423,059. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 10186 Charles St, Osceola, IN last sell?

10186 Charles St, Osceola, IN last sold on Sep 11, 2018, according to the county's recorded deed.

How big is 10186 Charles St, Osceola, IN?

10186 Charles St, Osceola, IN has 3 bedrooms, 3 bathrooms, 2,908 square feet of living space and a 1.33-acre lot.

When was 10186 Charles St, Osceola, IN built?

10186 Charles St, Osceola, IN was built in 1987, making it 39 years old. The building has 2 stories.

What schools serve 10186 Charles St, Osceola, IN?

10186 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 10186 Charles St, Osceola, IN compare to other homes in Osceola 46561?

Among the 4,987 homes in Osceola 46561, it is worth more than 63% of them ($311,288 against a typical $278,171), its price per square foot is higher than 7% of them ($107 against a typical $178), it is bigger than 97% of them (2,908 ft² against a typical 1,476 ft²), its lot is bigger than 91% of them (1.33 ac against a typical 0.37 ac) and it is newer than 51% of them (1987 against a typical 1987). Measured against all of St. Joseph County, it is worth more than 75% 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 10186 Charles St, Osceola, IN?

The 2024 property tax bill for 10186 Charles St, Osceola, IN was $4,174. The county assessed it at $415,100.

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