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Single Family ResidenceResidential
$170,486$97 / 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 70How 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
Last sold for $77,000 on Sep 16, 2022

109 E ADAMS ST

OSCEOLA, IN 46561
4
Beds
3 / 1
Baths
1,760 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.
0.55 ac
Lot SizeThe size of the land the home sits on, from county records.
1950
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
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

$170K
$120K low$221K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$77,000 · Sep 16, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,715 (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.$328,600 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$44,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$284,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$235,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$328,600

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.46
33
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
14
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
67
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
78
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
41
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.7 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
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.2000
Lot (acres)The size of the land the home sits on, from county records.0.55
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, Detached

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 · 0.7 mi
H
Penn High School
High · Grades 9–12 · 2.4 mi
M
Grissom Middle SchoolB+
Middle · Grades 6–8 · 4.9 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

109 E Adams 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 84% of homes in Osceola 46561
  • Costs less per square foot than 95% of homes in Osceola 46561
  • Bigger than 70% of homes in Osceola 46561
  • Has a bigger lot than 80% of homes in St. Joseph County
  • Older than 82% 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
$98K$649K

This home is worth more than 16% 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$170,486
CheaperTypical $278,018Pricier

Pricier than 16% of homes nearby

Price per ft²$97
CheaperTypical $177Pricier

Pricier than 5% of homes nearby

Living area1,760 ft²
SmallerTypical 1,480 ft²Bigger

Bigger than 70% of homes nearby

Lot size0.55 ac
SmallerTypical 0.37 acBigger

Bigger than 77% of homes nearby

Year built1950
OlderTypical 1987Newer

Newer than 18% of homes nearby

How 109 E Adams St ranks against every home in each area.
MeasureThis homeOsceola 46561St. Joseph County
Estimated valuepricier than$170,48616% of homes36% of homes
Price per ft²pricier than$975% of homes16% of homes
Living areabigger than1,760 ft²70% of homes70% of homes
Lot sizebigger than0.55 ac77% of homes80% of homes
Year builtnewer than195018% of homes39% of homes

About 109 E Adams St

How much is 109 E Adams St, Osceola, IN worth?

The TopHap Estimate for 109 E Adams St, Osceola, IN is $170,486 as of Sep 24, 2026. The likely range is $119,879 to $221,093. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 E Adams St, Osceola, IN last sell?

109 E Adams St, Osceola, IN last sold on Sep 16, 2022 for $77,000, according to the county's recorded deed.

How big is 109 E Adams St, Osceola, IN?

109 E Adams St, Osceola, IN has 4 bedrooms, 3 bathrooms, 1,760 square feet of living space and a 0.55-acre lot.

When was 109 E Adams St, Osceola, IN built?

109 E Adams St, Osceola, IN was built in 1950, making it 76 years old. The building has 2 stories.

What schools serve 109 E Adams St, Osceola, IN?

109 E Adams St, Osceola, IN is assigned to Moran Elementary School (elementary), rated A-; Penn High School (high); 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 109 E Adams St, Osceola, IN compare to other homes in Osceola 46561?

Among the 4,970 homes in Osceola 46561, it is worth more than 16% of them ($170,486 against a typical $278,018), its price per square foot is higher than 5% of them ($97 against a typical $177), it is bigger than 70% of them (1,760 ft² against a typical 1,480 ft²), its lot is bigger than 77% of them (0.55 ac against a typical 0.37 ac) and it is newer than 18% of them (1950 against a typical 1987). Measured against all of St. Joseph County, it is worth more than 36% 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 109 E Adams St, Osceola, IN?

The 2024 property tax bill for 109 E Adams St, Osceola, IN was $4,715. The county assessed it at $328,600.

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