304 S Beech Rd, Osceola, IN 46561 Property Records

St. Joseph County property record for 304 S Beech Rd, Osceola, IN 46561

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,488 sqft · built 1958
Lot Size	0.692 acres (30,132 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Sep 2025)
Tax Bill	$1,716 (2024)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Dec 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`71-10-16-153-001.000-030`

Property Details

APN / Parcel Number

Primary APN	`71-10-16-153-001.000-030`
Alternative APN	`01511750313`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,488 sqft Living Area
Gross Area	1,888 sqft
1st Floor Area	1,488 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1991
Construction Type	Frame
Roof Material	Asphalt
Lot Area	30,132 sqft (0.692 acres)
Lot Dimensions	186 ft deep x 162 ft wide
Garage Type	Attached
Garage Area	802 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Above-Ground Pool

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	304 S BEECH RD
City	OSCEOLA
State	IN
Zip	46561-2621
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 30-31 MORAN ADD 22/23 CON W/0312 PER ASS IC 6 1.1-5-16
Legal Subdivision	MORAN ADD
Legal Lot Number	30-31
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	2
Census Block	2057
Census Tract	11602

Owner

Source: St. Joseph County records, as of April 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	304 S BEECH RD, OSCEOLA, IN 46561-2621
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2025	Warranty Deed, Transfer · VA Mortgage CARDINAL FINANCIAL CO
Dec 21, 2023	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE CO INC
Dec 21, 2023	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE CO INC
May 15, 2023	Sheriff's Deed, Foreclosure Foreclosure Auction
Jun 23, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2025 · Amount on Record
Deed Sale	Sep 23, 2025 · Amount on Record
Prior Sale	Dec 21, 2023 · Amount on Record
Deed Document Number	202524039
Record Updated	Jun 8, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Sep 23, 2025
Property Address	304 S BEECH RD, OSCEOLA, IN 46561-2621
Document Number	0002524039
Map Reference	PB 19 PG M
Instrument Date	Sep 19, 2025
Instrument	2524039
Transaction Type	Transfer
Record Updated	Oct 24, 2025
Title Company	MTC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 S BEECH RD, OSCEOLA, IN 46561-2621

Mortgage

Document Number	0002524040
Date	Sep 23, 2025
Instrument	2524040

Lender

Name	CARDINAL FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Dec 21, 2023
Property Address	304 S BEECH RD, OSCEOLA, IN 46561-2621
Document Number	0002329886
Map Reference	PB 19 PG M
Instrument Date	Dec 18, 2023
Instrument	2329886
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	MTC

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	304 S BEECH RD, OSCEOLA, IN 46561-2621

Mortgage

Document Number	0002329887
Date	Dec 21, 2023
Instrument	2329887

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Dec 21, 2023
Property Address	304 S BEECH RD, OSCEOLA, IN 46561-2621
Document Number	0002329886
Map Reference	PB 19 PG M
Instrument Date	Dec 18, 2023
Instrument	2329886
Transaction Type	Transfer
Record Updated	Oct 24, 2025
Title Company	MTC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	304 S BEECH RD, OSCEOLA, IN 46561-2621

Mortgage

Document Number	0002329887
Date	Dec 21, 2023
Instrument	2329887

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

May 2023: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	ST JOSEPH IN
Recording Date	May 15, 2023
Property Address	304 S BEECH RD, OSCEOLA, IN 46561-2621
Document Number	0002310495
Instrument Date	May 4, 2023
Instrument	2310495
Transaction Type	Foreclosure
Record Updated	Oct 24, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 W SUPERIOR ST, OSCEOLA, IN 46561-2659

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Jun 23, 2022
Property Address	304 S BEECH RD, OSCEOLA, IN 46561-2621
Document Number	0002218479
Instrument Date	May 4, 2022
Instrument	2218479
Transaction Type	Transfer
Record Updated	Oct 24, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3325 WESTBOROUGH DR, MISHAWAKA, IN 46544-8214

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of March 11, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	St. Joseph County
County Subdivision	Penn Township
Municipality	Osceola Town
Unified School District	Penn-Harris-Madison School Corporation (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$239,200 (+26.43%) Land $64,200 Building $175,000	$239,200 (+26.43%) Land $64,200 Building $175,000
2024	$1,716.00 (+32.71%)	$189,200 (+16.93%) Land $64,200 Building $125,000	$189,200 (+16.93%) Land $64,200 Building $125,000
2023	$1,293.00 (-6.91%)	$161,800 (+1.13%) Land $64,200 Building $97,600	$161,800 (+1.13%) Land $64,200 Building $97,600
2022	$1,389.00	$160,000 Land $64,200 Building $95,800	$160,000 Land $64,200 Building $95,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective December 15, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 146 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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