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Single Family ResidenceResidential
$403,440$290 / 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 96How 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

11315 HARTFORD BAY DR

OSCEOLA, IN 46561
3
Beds
3 / 1
Baths
1,389 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.
0.39 ac
Lot SizeThe size of the land the home sits on, from county records.
2011
Year BuiltThe year the home was originally built, according to county records.
2
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.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$403K
$388K low$419K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,857 (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.$417,300 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$84,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$332,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$404,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$417,300

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.11 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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.0.39
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
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

Transaction History(4)

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 School
High · Grades 9–12 · 1.7 mi
M
Schmucker Middle SchoolA
Middle · Grades 6–8 · 1.8 mi
E
Elsie Rogers Elementary SchoolA-
Elementary · Grades KG–5 · 2.6 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

11315 Hartford Bay 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 88% of homes in Osceola 46561
  • Costs more per square foot than 94% of homes in St. Joseph County
  • Has a bigger lot than 68% of homes in St. Joseph County
  • Newer than 96% 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
$92K$635K

This home is worth more than 88% 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$403,440
CheaperTypical $276,051Pricier

Pricier than 88% of homes nearby

Price per ft²$290
CheaperTypical $178Pricier

Pricier than 91% of homes nearby

Living area1,389 ft²
SmallerTypical 1,479 ft²Bigger

Bigger than 43% of homes nearby

Lot size0.39 ac
SmallerTypical 0.37 acBigger

Bigger than 54% of homes nearby

Year built2011
OlderTypical 1987Newer

Newer than 91% of homes nearby

How 11315 Hartford Bay Dr ranks against every home in each area.
MeasureThis homeOsceola 46561St. Joseph County
Estimated valuepricier than$403,44088% of homes87% of homes
Price per ft²pricier than$29091% of homes94% of homes
Living areabigger than1,389 ft²43% of homes48% of homes
Lot sizebigger than0.39 ac54% of homes68% of homes
Year builtnewer than201191% of homes96% of homes

About 11315 Hartford Bay Dr

How much is 11315 Hartford Bay Dr, Osceola, IN worth?

The TopHap Estimate for 11315 Hartford Bay Dr, Osceola, IN is $403,440 as of Sep 24, 2026. The likely range is $387,658 to $419,222. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 11315 Hartford Bay Dr, Osceola, IN last sell?

11315 Hartford Bay Dr, Osceola, IN last sold on Nov 15, 2014, according to the county's recorded deed.

How big is 11315 Hartford Bay Dr, Osceola, IN?

11315 Hartford Bay Dr, Osceola, IN has 3 bedrooms, 3 bathrooms, 1,389 square feet of living space and a 0.39-acre lot.

When was 11315 Hartford Bay Dr, Osceola, IN built?

11315 Hartford Bay Dr, Osceola, IN was built in 2011, making it 15 years old. The building has 2 stories.

What schools serve 11315 Hartford Bay Dr, Osceola, IN?

11315 Hartford Bay Dr, Osceola, IN is assigned to Penn High School (high); Schmucker Middle School (middle), rated A; Elsie Rogers Elementary School (elementary), rated A-. All sit in Penn-Harris-Madison School Corporation. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 11315 Hartford Bay Dr, Osceola, IN compare to other homes in Osceola 46561?

Among the 4,970 homes in Osceola 46561, it is worth more than 88% of them ($403,440 against a typical $276,051), its price per square foot is higher than 91% of them ($290 against a typical $178), it is bigger than 43% of them (1,389 ft² against a typical 1,479 ft²), its lot is bigger than 54% of them (0.39 ac against a typical 0.37 ac) and it is newer than 91% of them (2011 against a typical 1987). Measured against all of St. Joseph County, it is worth more than 87% 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 11315 Hartford Bay Dr, Osceola, IN?

The 2024 property tax bill for 11315 Hartford Bay Dr, Osceola, IN was $3,857. The county assessed it at $417,300.

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