55119 Birch Rd, Osceola, IN 46561 Property Records

St. Joseph County property record for 55119 Birch Rd, Osceola, IN 46561

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,296 sqft · built 1850
Lot Size	8.36 acres (364,162 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,531 (2025)
Deeds & Mortgages	Jul 2018 Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`71-10-05-205-001.000-031`

Property Details

APN / Parcel Number

Primary APN	`71-10-05-205-001.000-031`
Alternative APN	`01410410702`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,296 sqft Living Area
Gross Area	3,376 sqft
1st Floor Area	2,760 sqft
Basement Area	1,080 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1940
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	364,162 sqft (8.36 acres)
Garage Type	Detached
Garage Area	960 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	804 sqft
Deck Area	600 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	55119 BIRCH RD
City	OSCEOLA
State	IN
Zip	46561-8725
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 90 PATRICIAN PARK PHASE 2 03-04 SETUP NEW REPLAT PER TR 12286 1-21-2003 SPLIT: 4-11-96 PRD 1164
Legal Range	04
Legal Township	03
Legal Section	2
Legal Subdivision	PATRICIAN PARK PHASE 2
Legal Phase	2
Legal Tract	12286
Legal Lot Number	90
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	1
Census Block	1016
Census Tract	11604

Owner

Source: St. Joseph County records, as of October 15, 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	2 Individual Names on Record
Mailing Address	55119 BIRCH RD, OSCEOLA, IN 46561-8725
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage TLCU FINANCIAL
May 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage TLCU FINANCIAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	55119 BIRCH RD, OSCEOLA, IN 46561-8725
Transaction Type	Mortgage
Record Updated	Aug 15, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1818810
Date	Jul 27, 2018
Instrument	1818810

Lender

Name	TLCU FINANCIAL
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 30, 2038

Interest

Rate Type	Fixed Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	55119 BIRCH RD, OSCEOLA, IN 46561-8725
Transaction Type	Mortgage
Record Updated	Jun 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1812901
Date	May 31, 2018
Instrument	1812901

Lender

Name	TLCU FINANCIAL
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 30, 2038

Interest

Rate Type	Fixed Rate

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
Unified School District	Penn-Harris-Madison School Corporation (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,531.00 (-11.9%)	$298,000 (+5.75%) Land $105,100 Building $192,900	$298,000 (+5.75%) Land $105,100 Building $192,900
2024	$4,008.00 (+58.67%)
2023	$2,526.00 (-13.94%)	$281,800 (-2.59%) Land $105,100 Building $176,700	$281,800 (-2.59%) Land $105,100 Building $176,700
2022	$2,935.00	$289,300 Land $103,500 Building $185,800	$289,300 Land $103,500 Building $185,800

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MISHAWAKA UTILITIES serves 49,675 people · EPA ID IN5271009
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	7 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 264 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	1,200 / 35
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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