Kendall County property record for 110 Grays Ct, Oswego, IL 60543
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,352 sqft · built 1990 |
| Lot Size | 0.367 acres (15,987 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $247,500 (Jun 2020) |
| Tax Bill | $9,823 (2024) |
| Deeds & Mortgages | Dec 2025 Line of Credit Jun 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-09-429-005 |
| Primary APN | 03-09-429-005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,352 sqft Living Area |
| Gross Area | 2,846 sqft |
| 1st Floor Area | 2,352 sqft |
| Basement Area | 1,156 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 15,987 sqft (0.367 acres) |
| Lot Dimensions | 199 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 494 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Water Source | Commercial |
| Street Address | 110 GRAYS CT |
|---|---|
| City | OSWEGO |
| State | IL |
| Zip | 60543-8964 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 5 BLK 1 MILL RACE CREEK UNIT 1 VILLAGE OF OSWEGO |
| Legal Subdivision | MILL RACE CREEK |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | KENDALL IL |
| Township / Civil Division | OSWEGO |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 890107 |
110 Grays Ct is owned and occupied by two individuals who acquired it in May 2022.
Source: Kendall County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 110 GRAYS CT, OSWEGO, IL 60543-8964 |
| 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.
| Date | Document |
|---|---|
| Dec 16, 2025 | Deed of Trust, Mortgage · Line of Credit OLD NATIONAL BANK |
| Jun 1, 2020 | Warranty Deed, Transfer · FHA Mortgage FIRST CENTENNIAL MORTGAGE CORP |
| Apr 23, 2020 | Court-Ordered Deed, Foreclosure NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 2020 · Amount on File |
| Deed Sale | Jun 1, 2020 · Amount on File |
| Prior Sale | Apr 23, 2020 · Amount on File |
| Deed Document Number | 20209099 |
| Last Transfer Date | May 26, 2022 |
| Transfer Doc | 0000009337 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 110 GRAYS CT, OSWEGO, IL 60543-8964 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2025 |
| Name | Verified Name |
|---|---|
| Address | 110 GRAYS CT, OSWEGO, IL 60543-8964 |
| Document Number | 0000016578 |
|---|---|
| Date | Dec 16, 2025 |
| Instrument | 202500016578 |
| Name | OLD NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | EVANSVILLE, IN 47708 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 25, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENDALL IL |
| Recording Date | Jun 1, 2020 |
| Property Address | 110 GRAYS CT, OSWEGO, IL 60543-8964 |
| Document Number | 0000009099 |
| Map Reference | DOC 88-1511 |
| Instrument Date | May 22, 2020 |
| Instrument | 202000009099 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Title Company | GREATER ILLINOIS TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $247.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 110 GRAYS CT, OSWEGO, IL 60543-8964 |
| Document Number | 0000009100 |
|---|---|
| Date | Jun 1, 2020 |
| Instrument | 202000009100 |
| Name | FIRST CENTENNIAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.87% |
| Document Type | Court-Ordered Deed |
|---|---|
| Jurisdiction | KENDALL IL |
| Recording Date | Apr 23, 2020 |
| Property Address | 110 GRAYS CT, OSWEGO, IL 60543-8964 |
| Document Number | 0000006471 |
| Instrument Date | Apr 23, 2020 |
| Instrument | 6471 |
| Transaction Type | Foreclosure |
| Record Updated | May 7, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $176.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1N500 TURNBERRY LN WINFIELD IL 601902337, WINFIELD, IL 60190-2337 |
Source: Kendall County assessment roll, as of May 27, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $131,370 Land $29,385 Building $101,985 | $394,110 Land $88,155 Building $305,955 | |
| 2024 | $9,823.00 | ||
| 2022 | $111,524 Land $24,946 Building $86,578 | $334,572 Land $74,838 Building $259,734 |
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.
FEMA maps place 110 Grays 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 | 2 units insured incl. 2 condo units |
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.
The area around 110 Grays Ct has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 138 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 | 1,000 / 75 |
| Watch TV Fixed Wireless | 400 / 40 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
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