261 Main St, Oswego, IL 60543 Property Records

Kendall County property record for 261 Main St, Oswego, IL 60543

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,324 sqft · built 1876
Lot Size	0.203 acres (8,845 sqft)
Owner	Individual Name on File
Last Sale	$412,000 (Jul 2026)
Tax Bill	$6,520 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-17-358-006`

Property Details

APN / Parcel Number

Primary APN	`03-17-358-006`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,324 sqft Living Area
Gross Area	3,176 sqft
1st Floor Area	1,324 sqft
Basement Area	1,324 sqft

Exterior

Year Built	Built 1876
Effective Year Built	Effective 1876
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	8,845 sqft (0.203 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	261 MAIN ST
City	OSWEGO
State	IL
Zip	60543-7208
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 4 BLK 3 LOUCKS & JUDSONS ADDN VILLAGE OF OSWEGO
Legal Subdivision	LOUCKS & JUDSONS ADD
Legal Block	3
Legal Lot Number	4
Jurisdiction	KENDALL IL
Township / Civil Division	OSWEGO
Census Block Group	2
Census Block	2015
Census Tract	890106

Owner

261 Main St is owned and occupied by an individual who bought it in July 2026.

Source: Kendall County records, as of August 11, 2026

Owner of Record	Individual Name on File
Mailing Address	261 MAIN ST, OSWEGO, IL 60543-7208
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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	Name on Deed
Last Sale	Jul 23, 2026 · Amount on File
Deed Sale	Jul 23, 2026 · Amount on File
Prior Sale	Jan 21, 1997 · Amount on File
Deed Document Number	202610656
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Jul 23, 2026
Property Address	261 MAIN ST, OSWEGO, IL 60543-7208
Document Number	0000010656
Instrument Date	Jun 24, 2026
Instrument	202610656
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$124,836.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	261 MAIN ST, OSWEGO, IL 60543-7208

Mortgage

Document Number	0000010657,
Date	Jul 23, 2026
Instrument	202610657

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.63%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 261 Main St was $6,520, up 10.1% from the year before.

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	$6,520.00 (+10.12%)	$97,268 Land $27,928 Building $69,340	$291,804 Land $83,784 Building $208,020
2024	$5,921.00
2022		$67,449 Land $19,366 Building $48,083	$202,347 Land $58,098 Building $144,249

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 261 Main St in Zone X, an area of minimal flood risk.

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

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 261 Main St 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 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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