54963 Sunray Dr E, Osceola, IN 46561 Property Records

St. Joseph County property record for 54963 Sunray Dr E, Osceola, IN 46561

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,148 sqft · built 1993
Lot Size	0.426 acres (18,585 sqft)
Owner	Individual Name on File
Tax Bill	$1,133 (2024)
Deeds & Mortgages	Oct 2022 Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`71-05-33-455-009.000-031`

Property Details

APN / Parcel Number

Primary APN	`71-05-33-455-009.000-031`
Alternative APN	`0141064133521`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,148 sqft Living Area
Basement Area	884 sqft

Exterior

Year Built	Built 1993
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	18,585 sqft (0.426 acres)
Lot Dimensions	177 ft deep x 105 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	240 sqft
Deck Area	144 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0141064133521
Street Address	54963 SUNRAY DR E
City	OSCEOLA
State	IN
Zip	46561-9361
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 54 SUNRISE PARK SECTION ONE SEC 33 38 4E
Legal Range	04E
Legal Township	38
Legal Section	33
Legal Subdivision	SUNRISE PARK SEC 1
Legal Lot Number	54
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	2
Census Block	2017
Census Tract	11604

Owner

54963 Sunray Dr E is owned and occupied by an individual who acquired it in August 2018.

Source: St. Joseph County records, as of March 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	54963 SUNRAY DR E, OSCEOLA, IN 46561-9361
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage KEY BANK NA
Apr 16, 2020	Deed of Trust, Mortgage · FHA Mortgage NOTRE DAME FCU
Jan 24, 2018	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING
Aug 24, 2018	Warranty Deed, Transfer · FHA Mortgage NOTRE DAME FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2018
Deed Sale	Aug 24, 2018
Prior Sale	Mar 31, 2015
Deed Document Number	0001821666
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	54963 SUNRAY DR E, OSCEOLA, IN 46561-9361
Transaction Type	Mortgage
Record Updated	Nov 9, 2022
Title Company	ACCURATE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002229780
Date	Oct 14, 2022
Instrument	2229780

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 6, 2037

Interest

Rate Type	Fixed Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	54963 SUNRAY DR E, OSCEOLA, IN 46561-9361
Transaction Type	Mortgage
Record Updated	Aug 8, 2022
Title Company	NEAR NORTH TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002009195
Date	Apr 16, 2020
Instrument	2009195

Lender

Name	NOTRE DAME FCU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	54963 SUNRAY DR E, OSCEOLA, IN 46561-9361
Transaction Type	Mortgage
Record Updated	Aug 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001801914
Date	Jan 24, 2018
Instrument	1801914

Lender

Name	CLEARPATH LENDING
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2048

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2023
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4%
Index	1-Year CMT

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Aug 24, 2018
Property Address	54963 SUNRAY DR E, OSCEOLA, IN 46561-9361
Document Number	0001821666
Map Reference	IN 8818269
Instrument Date	Aug 16, 2018
Instrument	1821666
Transaction Type	Transfer
Record Updated	Aug 8, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54963 SUNRAY DR E, OSCEOLA, IN 46561-9361

Mortgage

Document Number	0001821667
Date	Aug 24, 2018
Instrument	1821667

Lender

Name	NOTRE DAME FCU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$146,600 Land $15,700 Building $130,900	$146,600 Land $15,700 Building $130,900
2024	$1,133.00 (-8.48%)
2023	$1,238.00 (-4.92%)	$156,300 (-0.38%) Land $15,600 Building $140,700	$156,300 (-0.38%) Land $15,600 Building $140,700
2022	$1,302.00	$156,900 Land $15,600 Building $141,300	$156,900 Land $15,600 Building $141,300

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

Flood

FEMA maps place 54963 Sunray Dr E in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 15, 2015

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 54963 Sunray Dr E is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 85% 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 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
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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