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Single Family ResidenceResidential
$630,204$214 / 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 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $799,330 on Nov 16, 2023

11305 ALBANY RIDGE DR

OSCEOLA, IN 46561
5
Beds
5
Baths
2,943 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.
0.37 ac
Lot SizeThe size of the land the home sits on, from county records.
2023
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
9
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

$630K
$586K low$674K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$799,330 · Nov 16, 2023
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$31,704
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$25,363
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.89%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$598,500
FIRST FSB · recorded Oct 21, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,735 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$654,200 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$68,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$586,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$628,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$654,200

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.51
58
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
15
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.61 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.0.38
ConstructionThe main material the home's frame and walls are built from.Frame (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, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No

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.

H
Penn High SchoolA+
High · Grades 9–12 · 1.9 mi
M
Schmucker Middle SchoolA-
Middle · Grades 6–8 · 2.0 mi
E
Elsie Rogers Elementary SchoolB+
Elementary · Grades KG–5 · 2.8 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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

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

11305 Albany Ridge Dr 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 98% of homes in Osceola 46561
  • Costs more per square foot than 83% of homes in St. Joseph County
  • Bigger than 97% of homes in Osceola 46561
  • Has a bigger lot than 66% of homes in St. Joseph County
  • Among the newest 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
$86K$652K

This home is worth more than 98% 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$630,204
CheaperTypical $273,708Pricier

Pricier than 98% of homes nearby

Price per ft²$214
CheaperTypical $175Pricier

Pricier than 73% of homes nearby

Living area2,943 ft²
SmallerTypical 1,474 ft²Bigger

Bigger than 97% of homes nearby

Lot size0.37 ac
SmallerTypical 0.37 acBigger

Bigger than 51% of homes nearby

Year built2023
OlderTypical 1987Newer

Newer than almost all homes nearby

How 11305 Albany Ridge Dr ranks against every home in each area.
MeasureThis homeOsceola 46561St. Joseph County
Estimated valuepricier than$630,20498% of homes97% of homes
Price per ft²pricier than$21473% of homes83% of homes
Living areabigger than2,943 ft²97% of homes96% of homes
Lot sizebigger than0.37 ac51% of homes66% of homes
Year builtnewer than2023almost all homesalmost all homes

About 11305 Albany Ridge Dr

How much is 11305 Albany Ridge Dr, Osceola, IN worth?

The TopHap Estimate for 11305 Albany Ridge Dr, Osceola, IN is $630,204 as of Jul 14, 2026. The likely range is $585,917 to $674,491. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 11305 Albany Ridge Dr, Osceola, IN last sell?

11305 Albany Ridge Dr, Osceola, IN last sold on Nov 16, 2023 for $799,330, according to the county's recorded deed.

How big is 11305 Albany Ridge Dr, Osceola, IN?

11305 Albany Ridge Dr, Osceola, IN has 5 bedrooms, 5 bathrooms, 2,943 square feet of living space and a 0.38-acre lot.

When was 11305 Albany Ridge Dr, Osceola, IN built?

11305 Albany Ridge Dr, Osceola, IN was built in 2023, making it 3 years old. The building has 2 stories.

What schools serve 11305 Albany Ridge Dr, Osceola, IN?

11305 Albany Ridge Dr, Osceola, IN is assigned to Penn High School (high), rated A+; Schmucker Middle School (middle), rated A-; Elsie Rogers Elementary School (elementary), rated B+. All sit in Penn-Harris-Madison School Corporation. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 11305 Albany Ridge Dr, Osceola, IN compare to other homes in Osceola 46561?

Among the 4,991 homes in Osceola 46561, it is worth more than 98% of them ($630,204 against a typical $273,708), its price per square foot is higher than 73% of them ($214 against a typical $175), it is bigger than 97% of them (2,943 ft² against a typical 1,474 ft²), its lot is bigger than 51% of them (0.37 ac against a typical 0.37 ac) and it is newer than almost all of them (2023 against a typical 1987). Measured against all of St. Joseph County, it is worth more than 97% 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 11305 Albany Ridge Dr, Osceola, IN?

The 2025 property tax bill for 11305 Albany Ridge Dr, Osceola, IN was $5,735. The county assessed it at $654,200.

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Assigned schools

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