Kendall County property record for 281 Chicago Rd, Oswego, IL 60543
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 988 sqft · built 1959 |
| Lot Size | 0.46 acres (20,042 sqft) |
| Owner | Individual Name on File |
| Last Sale | $290,000 (Aug 2025) |
| Tax Bill | $6,141 (2024) |
| Deeds & Mortgages | May 2021 Mortgage Jan 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-17-405-016 |
| Primary APN | 03-17-405-016 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 988 sqft Living Area |
| Gross Area | 1,379 sqft |
| 1st Floor Area | 988 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 20,042 sqft (0.46 acres) |
| Garage Type | Attached |
| Garage Area | 391 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Water Source | Commercial |
| Street Address | 281 CHICAGO RD |
|---|---|
| City | OSWEGO |
| State | IL |
| Zip | 60543-9420 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 12 & LAND ADJ ON S GEO D SMITH SUB UNIT 1 & 12 VAC GEORGE AVE VILLAGE OF OSWEGO |
| Legal Subdivision | GEO D SMITH SUB |
| Legal Lot Number | 12 |
| Jurisdiction | KENDALL IL |
| Township / Civil Division | OSWEGO |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 890106 |
281 Chicago Rd is owned by an individual who bought it in August 2025.
Source: Kendall County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 386 FLORIDA AVE, AURORA, IL 60506-2331 |
| Owner Type | Individual |
| Vesting | Unmarried Man |
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 |
|---|---|
| May 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP |
| Jan 17, 2020 | Re-recorded Document · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Nov 18, 2019 | Warranty Deed, Transfer FAIRWAY INDEPENDENT MTG |
| Feb 28, 2019 | Warranty Deed, Transfer · Commercial Mortgage LINCOLNWAY COMMUNITY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 7, 2025 · Amount on File |
| Deed Sale | Aug 7, 2025 · Amount on File |
| Prior Sale | Feb 28, 2019 · Amount on File |
| Deed Document Number | 20259947 |
| Prior Transfer Date | Sep 23, 2019 |
| Prior Transfer Doc | 0000012346 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 281 CHICAGO RD, OSWEGO, IL 60543-9420 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2021 |
| Title Company | ACQUEST TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0000013704 |
|---|---|
| Date | May 28, 2021 |
| Instrument | 202100013704 |
| Name | DRAPER & KRAMER MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | DOWNERS GROVE, IL 60515 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Re-recorded Document |
|---|---|
| Jurisdiction | KENDALL IL |
| Recording Date | Jan 17, 2020 |
| Property Address | 281 CHICAGO RD, OSWEGO, IL 60543-9420 |
| Document Number | 0000000693 |
| Instrument Date | Sep 23, 2019 |
| Instrument | 202000000693 |
| Record Updated | May 11, 2021 |
| Title Company | NATIONAL TITLE SOLUTIONS INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 334 CLARE DR, BLOOMINGDALE, IL 60108-8809 |
| Document Number | 0000000694 |
|---|---|
| Date | Jan 17, 2020 |
| Instrument | 202000000694 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Oct 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENDALL IL |
| Recording Date | Nov 18, 2019 |
| Property Address | 281 CHICAGO RD, OSWEGO, IL 60543-9420 |
| Document Number | 0000017498 |
| Instrument Date | Sep 23, 2019 |
| Instrument | 17498 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2019 |
| Title Company | NATIONAL TITLE SOLUTIONS INC |
| Amount | Amount on Record |
|---|---|
| Tax | $79.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 334 CLARE DR BLOOMINGDALE IL 601088809, BLOOMINGDALE, IL 60108-8809 |
| Document Number | 17499 |
|---|---|
| Date | Nov 18, 2019 |
| Instrument | 17499 |
| Name | FAIRWAY INDEPENDENT MTG |
|---|---|
| Type | Mortgage Company |
| Address | LAUDERDALE, MN 55108 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Nov 17, 2049 |
| Rate | 9% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENDALL IL |
| Recording Date | Feb 28, 2019 |
| Property Address | 281 CHICAGO RD, OSWEGO, IL 60543-9420 |
| Document Number | 0000002252 |
| Instrument Date | Feb 12, 2019 |
| Instrument | 201900002252 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Title Company | LAKELAND TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $125.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 979 BAYTREE DR, BARTLETT, IL 60103-4097 |
| Investor | Possibly a Property Investor |
| Document Number | 0000002253 |
|---|---|
| Date | Feb 28, 2019 |
| Instrument | 201900002253 |
| Name | LINCOLNWAY COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Feb 12, 2020 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
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 | $87,764 Land $22,334 Building $65,430 | $263,292 Land $67,002 Building $196,290 | |
| 2024 | $6,141.00 | ||
| 2022 | $60,859 Land $15,487 Building $45,372 | $182,577 Land $46,461 Building $136,116 |
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 281 Chicago Rd 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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 281 Chicago Rd 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 96% of the US · lower than 74% 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.
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 116 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 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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