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407 Champery Drive, Osceola, IN 46561

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For Sale

$299,900

3 beds • 2 baths • 2,208 sqft

Estimated Payment

$ 1,774 /mo. †

6.67% APR for 30 yrs.
$2,764 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • Newly Listed
    Time on Century 21

  • $135.82
    Price per square foot

  • 11-20 Years Old
    Age

Explore this Property

Multiple Offers. Seller will review offers 5pm on Thurs 3/27. Welcome to your dream home, nestled in the highly sought-after Penn School district! This stunning waterfront residence offers a perfect blend of elegance and functionality, making it an ideal space for both relaxing and entertaining. Step inside and be greeted by an expansive open concept that seamlessly connects the kitchen, dining room, living room, and den. This thoughtful layout ensures that whether you re hosting a dinner party or enjoying a cozy night in, the atmosphere remains inviting and inclusive. The chef's kitchen is a true masterpiece, featuring solid surface countertops and a spacious island that's perfect for meal prep or enjoying casual breakfasts. The large windows flood the living room with natural light, highlighting the tall ceilings that create an airy feel throughout the space. The den serves as a spectacular focal point, complete with a beautiful fireplace that adds warmth and charm. However, the real highlight is the seamless transition to the outdoor deck where you can soak in breathtaking views of the neighborhood pond perfect for summer gatherings or quiet evenings under the stars. Designed with comfort in mind, this home features a popular split bedroom floor plan. The master bedroom, located on one end of the house, boasts its own luxurious master bathroom. On the opposite side, you'll find two additional bedrooms along with another full bathroom, providing privacy and convenience for family members or guests. No need to trek to the basement for laundry; the main floor laundry room adds to the home's practicality, making daily chores a breeze. Looking for more? Venture down to the lower level where you'll discover a spacious family room, perfect for movie nights or play areas. If you need an extra bedroom, the basement includes an egress window, offering the potential for a fourth bedroom, along with plumbing in place for an additional bathroom.
MLS# 202509570

Courtesy Of Heart City Realty LLC

(574) 596-0376

Property Features

  • Age
    11-20 Years Old
  • Amenities
    Ceiling Fan
  • Architecture Style
    Ranch
  • Fireplace
    Fireplace
  • Heating System
    Fireplace, Forced Air
  • Lot Size
    0.28 Acres
  • Rooms
    Basement, Den, Dining Room, Family Room, Great Room, Kitchen, Living Room

Map and Directions

Directions to 407 Champery Drive, Osceola, IN 46561

Home seller CENTURY 21 Circle

Get to know the neighborhood. A local affiliated CENTURY 21 office will help you set up tours, give advice, and negotiate with sellers.

CENTURY 21 Circle

(574) 293-2121
Learn More About Us

Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $1,543
  • Property Taxes
    $230
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $1,774

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

Schools

Moran Elementary School

Grades KG-5 Public School

Osceola, IN 46561 0.5 miles
305 n beech rd

431 total students
19:1 Student teacher ratio

School Rating: A

School Details

Virgil I Grissom Middle School

Grades 6-8 Public School

Mishawaka, IN 46544 4.7 miles
13881 kern rd

709 total students
20:1 Student teacher ratio

School Rating: C+

School Details

Penn High School

Grades 9-12 Public School

Mishawaka, IN 46545 1.2 miles
56100 bittersweet rd

3877 total students
23:1 Student teacher ratio

School Rating: A-

School Details
Other Nearby Schools Distance Type Grades School Rating
Queen Of Peace School 1 miles Private PK-8
Bittersweet Elementary School 1.3 miles Public PK-5 B+
Schmucker Middle School 1.3 miles Public 6-8 A-
Twin Branch Elementary School 1.6 miles Public KG-6 B
Elsie Rogers Elementary School 2.1 miles Public PK-5 B+
Fred J Hums Elementary School 2.2 miles Public KG-6 B
Beiger Elementary School 3.2 miles Public PK-6 C+
Elm Road Elementary School 3.5 miles Public PK-5 B-
Mishawaka High School 3.7 miles Public 9-12 D+
Jimtown Elementary School 3.9 miles Public KG-2
Jimtown Intermediate School 3.9 miles Public 3-6 A-
Jimtown Junior High School 3.9 miles Public 7-8 A
Jimtown High School 4 miles Public 9-12 D+
Trinity Lutheran School 4.1 miles Private PK-8
Covenant Christian School 4.1 miles Private PK-8
Battell Elementary School 4.3 miles Public KG-6 B-
Cleveland Elementary School 4.3 miles Public KG-6 C
Woodland Elementary School 4.4 miles Public KG-6 C

Queen Of Peace School

Distance: 1 miles

Type Private

Grades: PK-8

Bittersweet Elementary School

Distance: 1.3 miles

Type Public

Grades: PK-5

B+

Schmucker Middle School

Distance: 1.3 miles

Type Public

Grades: 6-8

A-

Twin Branch Elementary School

Distance: 1.6 miles

Type Public

Grades: KG-6

B

Elsie Rogers Elementary School

Distance: 2.1 miles

Type Public

Grades: PK-5

B+

Fred J Hums Elementary School

Distance: 2.2 miles

Type Public

Grades: KG-6

B

Beiger Elementary School

Distance: 3.2 miles

Type Public

Grades: PK-6

C+

Elm Road Elementary School

Distance: 3.5 miles

Type Public

Grades: PK-5

B-

Mishawaka High School

Distance: 3.7 miles

Type Public

Grades: 9-12

D+

Jimtown Elementary School

Distance: 3.9 miles

Type Public

Grades: KG-2

Jimtown Intermediate School

Distance: 3.9 miles

Type Public

Grades: 3-6

A-

Jimtown Junior High School

Distance: 3.9 miles

Type Public

Grades: 7-8

A

Jimtown High School

Distance: 4 miles

Type Public

Grades: 9-12

D+

Trinity Lutheran School

Distance: 4.1 miles

Type Private

Grades: PK-8

Covenant Christian School

Distance: 4.1 miles

Type Private

Grades: PK-8

Battell Elementary School

Distance: 4.3 miles

Type Public

Grades: KG-6

B-

Cleveland Elementary School

Distance: 4.3 miles

Type Public

Grades: KG-6

C

Woodland Elementary School

Distance: 4.4 miles

Type Public

Grades: KG-6

C

School information does not guarantee enrollment. School service boundaries are provided as a reference only, may change, and are not guaranteed to be accurate. Contact the school district directly to verify school enrollment eligibility.

Local area information for Osceola, IN 46561

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Osceola, IN 46561

This community’s employment is highest in the sales and production occupations industries. The area’s overall household expenses are below the national average.

85° July
Hottest Average Month
16° January
Coldest Average Month
4,430 Total Households in Area
1% Increase in population since the year 2010
35.9%
of households
have children
22 minutes
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Demographic facts
for Osceola, IN 46561

Osceola, IN 46561 has a population of 11,942 people in 4,430 households with a median age of 43 years old.

1%
Increase in population
since the year 2010
Population is Trending up
4,373
Total households as of 2010
3.1%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 43 years old. The smallest percentage group is 45-54 years and the largest percentage is the 85+ years age range.

Community Population By Ethnicity

White 87%
Hispanic 4%
Black 2%
Asian 2%
Other 1%
Native American <1%
The most prevalent ethnicity is White at 87%, followed by Hispanic at 4%, Black at 2%, and Asian at 2%.

Economics
for Osceola, IN 46561

941 /sq mi
Population Density
$79,519 /yr
Median Household Income
$260,210
Median Sales Price
22 min
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Household by Income

Out of the households in this area, the largest income group is $50-74,999k representing 22.65% of the households.

Transportation to Work

  • Drive 90%
  • Work from Home 9%
  • Walk or Bike 1%
  • Public Transit 1%

Occupancy by Type

Owned 3,765 82%
Rented 664 14%
Vacant 151 3%

White vs Blue Collar Jobs







White Collar 69%
Blue Collar 31%

Family & Education Facts
for Osceola, IN 46561

43 Median Age

Average Household Size

2.7
persons per
household

55.8%

Married Households

Community Population By Education

High School Graduate 33%
Some College 22%
Bachelors Degree 20%
Associates Degree 11%
Graduate Degree 8%
Some High School 6%
Of the total people surveyed, the most prevalent educational attainment level is High School Graduate, representing 32.59% of the population.

Household Family Expenses vs National Average

This location’s average annual expenditures compared to the national average. Index score (100=National Average)
35.9% of households have children

Weather
for Osceola, IN 46561

The weather for this area ranges from a high of 85° F in July to a low of 16° F in January

85° July
Hottest Average Month
16° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
16°
32°
Feb
18°
36°
Mar
27°
46°
Apr
38°
60°
May
48°
71°
Jun
58°
81°
Jul
61°
85°
Aug
60°
83°
Sep
52°
76°
Oct
41°
64°
Nov
32°
49°
Dec
21°
36°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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Copyright © 2025 Elkhart County Board of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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