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185 Springbrook Trl S, Oswego, IL 60543 Property Records

Kendall County property record for 185 Springbrook Trl S, Oswego, IL 60543

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,472 sqft · built 2005
Lot Size0.038 acres (1,636 sqft)
Owner2 Individual Names on File
Last Sale$210,000 (Aug 2021)
Tax Bill$5,704 (2024)
Deeds & MortgagesAug 2021 Sale & Mortgage
Jan 2019 Transfer
Flood ZoneZone X (minimal risk)
APN03-03-458-023

Property Details

APN / Parcel Number

Primary APN03-03-458-023

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area1,472 sqft Living Area
Gross Area1,912 sqft
1st Floor Area1,472 sqft

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Architectural StyleBi-Level
Exterior MaterialAluminum/Vinyl
Roof MaterialAsphalt
Lot Area1,636 sqft (0.038 acres)
Lot Dimensions73 ft deep x 22 ft wide
Garage TypeAttached
Garage Area440 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address185 SPRINGBROOK TRL S
CityOSWEGO
StateIL
Zip60543-4016
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 187 SPRINGBROOK AT FARMINGTON LAKES UNIT 3 VILLAGE OF OSWEGO
Legal SubdivisionSPRINGBROOK AT FARMINGTON LAKES
Legal Lot Number187
JurisdictionKENDALL IL
Township / Civil DivisionOSWEGO
Census Block Group1
Census Block1000
Census Tract890103

Owner

185 Springbrook Trl S is owned and occupied by two individuals who bought it in August 2021.

Source: Kendall County records, as of June 30, 2026

Owner of Record2 Individual Names on File
Mailing Address185 SPRINGBROOK TRL S, OSWEGO, IL 60543-4016
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

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

DateDocument
Aug 26, 2021Warranty Deed, Transfer · FHA Mortgage
LOANDEPOT.COM LLC
Jan 3, 2019Quit Claim Deed, Transfer
CARRINGTON TITLE PARTNERS LLC, CARRINGTON TITLE PTRS LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 26, 2021 · Amount on File
Deed SaleAug 26, 2021 · Amount on File
Prior SaleJan 9, 2006 · Amount on File
Deed Document Number202122654
Prior Transfer DateDec 21, 2018
Prior Transfer Doc0000000080
Record UpdatedOct 29, 2026

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENDALL IL
Recording DateAug 26, 2021
Property Address185 SPRINGBROOK TRL S, OSWEGO, IL 60543-4016
Document Number0000022654
Map ReferenceDOC 2004001299
Instrument DateAug 18, 2021
Instrument202100022654
Transaction TypeTransfer
Record UpdatedSep 3, 2021
Title CompanyHUBBARD STREET TITLE

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$210.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address185 SPRINGBROOK TRL S, OSWEGO, IL 60543-4016

Mortgage

Document Number0000022655
DateAug 26, 2021
Instrument202100022655
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2051
Interest
Rate3.12%

Mortgage

Document Number0000022656
DateAug 26, 2021
Instrument202100022656
Lender
NameUNITED STATES OF AMERICA
TypeGovernment Agency
AddressCHICAGO, IL 60601
Agreement
TypeStand-Alone Second Mortgage
AmountAmount on Record

January 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKENDALL IL
Recording DateJan 3, 2019
Property Address185 SPRINGBROOK TRL S, OSWEGO, IL 60543-4016
Document Number0000000080
Instrument DateDec 21, 2018
Instrument80
Transaction TypeTransfer
Record UpdatedFeb 12, 2019
Title CompanyCARRINGTON TITLE PARTNERS LLC, CARRINGTON TITLE PTRS LLC

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address800 MANCHESTER ST NAPERVILLE IL 605632135, NAPERVILLE, IL 60563-2135

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyKendall County
County SubdivisionOswego Township
MunicipalityOswego Village
Unified School DistrictOswego Community Unit School District 308 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$85,343 Land $14,421 Building $70,922$256,029 Land $43,263 Building $212,766
2024$5,704.00
2022$62,483 Land $10,558 Building $51,925$187,449 Land $31,674 Building $155,775

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 185 Springbrook Trl S in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies7 units insured
incl. 6 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.

Wildfire

The area around 185 Springbrook Trl S 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 RiskNot rated
no burnable land within 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 SystemOSWEGO
serves 38,169 people · EPA ID IL0930150
Water SourceGroundwater
Last State InspectionOct 2025
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityRadium
resolved · Jan 2017
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 326 locations within half a mile, as of December 31, 2025

ProviderMax 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
AT&T
DSL · Fixed Wireless in parts of the area		100 / 20

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