109 Iris Ct, Oswego, IL 60543 Property Records

Kendall County property record for 109 Iris Ct, Oswego, IL 60543

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,207 sqft · built 1998
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$305,000 (Apr 2020)
Tax Bill	$9,046 (2024)
Deeds & Mortgages	Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-19-251-020`

Property Details

APN / Parcel Number

Primary APN	`03-19-251-020`
Alternative APN	`0319251005`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,207 sqft Living Area
Gross Area	4,017 sqft
1st Floor Area	2,207 sqft
Basement Area	1,150 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2000
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Street Address	109 IRIS CT
City	OSWEGO
State	IL
Zip	60543-8239
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 ARBOR GATE UNIT ONE (EXC ROW 97-9145) (EXC ROW TAKEN 11-03993) VILLAGE OF OSWEGO
Legal Subdivision	ARBOR GATE
Legal Lot Number	5
Jurisdiction	KENDALL IL
Township / Civil Division	OSWEGO
Census Block Group	2
Census Block	2000
Census Tract	890108

Owner

109 Iris Ct is owned and occupied by two individuals who bought it in April 2020.

Source: Kendall County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	109 IRIS CT, OSWEGO, IL 60543-8239
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2020 · Amount on File
Deed Sale	Apr 9, 2020 · Amount on File
Prior Sale	Sep 20, 2013 · Amount on File
Deed Document Number	20205503
Record Updated	Oct 29, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Apr 9, 2020
Property Address	109 IRIS CT, OSWEGO, IL 60543-8239
Document Number	0000005503
Instrument Date	Mar 24, 2020
Instrument	5503
Transaction Type	Transfer
Record Updated	Apr 24, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	718 HAYWWOD AVE STREAMWOOD IL 60543, STREAMWOOD, IL 60543

Mortgage

Document Number	5504
Date	Apr 9, 2020
Instrument	5504

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 8, 2050

Interest

Rate	3.49%

Tax Assessment & Valuation

Source: Kendall County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kendall County
County Subdivision	Oswego Township
Municipality	Oswego Village
Unified School District	Oswego Community Unit School District 308 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$123,151 Land $22,193 Building $100,958	$369,453 Land $66,579 Building $302,874
2024	$9,046.00
2022		$96,139 Land $17,325 Building $78,814	$288,417 Land $51,975 Building $236,442

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 109 Iris Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 18, 2025 · 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	1 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

Wildfire risk around 109 Iris Ct 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 99.1% of the US · lower than 94% of Illinois
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	OSWEGO serves 38,169 people · EPA ID IL0930150
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium resolved · Jan 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 252 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20