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Single Family ResidenceResidential
$154,158$134 / 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 92How 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

10331 BAY ST

OSCEOLA, IN 46561
3
Beds
1
Baths
1,150 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.
0.5 ac
Lot SizeThe size of the land the home sits on, from county records.
1925
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$154K
$142K low$166K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$521 (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.$187,700 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$51,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$135,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$112,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$187,700

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountySt. Joseph
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1966
Lot (acres)The size of the land the home sits on, from county records.0.50
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Raised (Unspecified)
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Shed · 80 ft²

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 · 0.7 mi
H
Penn High SchoolA+
High · Grades 9–12 · 2.1 mi
M
Grissom Middle SchoolB-
Middle · Grades 6–8 · 5.3 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

10331 Bay 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 less than 88% of homes in Osceola 46561
  • Costs less per square foot than 81% of homes in Osceola 46561
  • Smaller than 74% of homes in Osceola 46561
  • Has a bigger lot than 78% of homes in St. Joseph County
  • Older than 95% of homes in Osceola 46561

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
$95K$640K

This home is worth more than 12% 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$154,158
CheaperTypical $276,945Pricier

Pricier than 12% of homes nearby

Price per ft²$134
CheaperTypical $178Pricier

Pricier than 19% of homes nearby

Living area1,150 ft²
SmallerTypical 1,480 ft²Bigger

Bigger than 26% of homes nearby

Lot size0.5 ac
SmallerTypical 0.37 acBigger

Bigger than 72% of homes nearby

Year built1925
OlderTypical 1987Newer

Newer than 5% of homes nearby

How 10331 Bay St ranks against every home in each area.
MeasureThis homeOsceola 46561St. Joseph County
Estimated valuepricier than$154,15812% of homes30% of homes
Price per ft²pricier than$13419% of homes37% of homes
Living areabigger than1,150 ft²26% of homes32% of homes
Lot sizebigger than0.5 ac72% of homes78% of homes
Year builtnewer than19255% of homes19% of homes

About 10331 Bay St

How much is 10331 Bay St, Osceola, IN worth?

The TopHap Estimate for 10331 Bay St, Osceola, IN is $154,158 as of Sep 24, 2026. The likely range is $142,370 to $165,946. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 10331 Bay St, Osceola, IN last sell?

10331 Bay St, Osceola, IN last sold on Aug 2, 1994, according to the county's recorded deed.

How big is 10331 Bay St, Osceola, IN?

10331 Bay St, Osceola, IN has 3 bedrooms, 1 bathrooms, 1,150 square feet of living space and a 0.50-acre lot.

When was 10331 Bay St, Osceola, IN built?

10331 Bay St, Osceola, IN was built in 1925, making it 101 years old. The building has 1 story.

What schools serve 10331 Bay St, Osceola, IN?

10331 Bay 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 10331 Bay St, Osceola, IN compare to other homes in Osceola 46561?

Among the 4,987 homes in Osceola 46561, it is worth more than 12% of them ($154,158 against a typical $276,945), its price per square foot is higher than 19% of them ($134 against a typical $178), it is bigger than 26% of them (1,150 ft² against a typical 1,480 ft²), its lot is bigger than 72% of them (0.5 ac against a typical 0.37 ac) and it is newer than 5% of them (1925 against a typical 1987). Measured against all of St. Joseph County, it is worth more than 30% 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 10331 Bay St, Osceola, IN?

The 2024 property tax bill for 10331 Bay St, Osceola, IN was $521. The county assessed it at $187,700.

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