Kendall County property record for 281 Springbrook Trl S, Oswego, IL 60543
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,472 sqft · built 2004 |
| Lot Size | 0.038 acres (1,637 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $265,000 (Aug 2026) |
| Tax Bill | $5,582 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Dec 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-03-455-046 |
| Primary APN | 03-03-455-046 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,472 sqft Living Area |
| Gross Area | 1,912 sqft |
| 1st Floor Area | 1,472 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Asphalt |
| Lot Area | 1,637 sqft (0.038 acres) |
| Lot Dimensions | 73 ft deep x 22 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Water Source | Commercial |
| Street Address | 281 SPRINGBROOK TRL S |
|---|---|
| City | OSWEGO |
| State | IL |
| Zip | 60543-4006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 101 SPRINGBROOK AT FARMINGTON LAKES UNIT 1 VILLAGE OF OSWEGO |
| Legal Subdivision | SPRINGBROOK AT FARMINGTON LAKES |
| Legal Lot Number | 101 |
| Jurisdiction | KENDALL IL |
| Township / Civil Division | OSWEGO |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 890103 |
281 Springbrook Trl S is owned by two individuals who bought it in August 2026.
Source: Kendall County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2440 FROST DR, AURORA, IL 60503-5762 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Aug 18, 2026 | Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Dec 4, 2025 | Deed of Trust, Mortgage · Partial Claim Mortgage ROCKET MORTGAGE LLC |
| Jun 6, 2017 | Grant Deed, Transfer · FHA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 18, 2026 · Amount on File |
| Deed Sale | Aug 18, 2026 · Amount on File |
| Prior Sale | Dec 29, 2005 · Amount on File |
| Deed Document Number | 202612050 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENDALL IL |
| Recording Date | Aug 18, 2026 |
| Property Address | 281 SPRINGBROOK TRL S, OSWEGO, IL 60543-4006 |
| Document Number | 0000012050 |
| Instrument Date | May 26, 2026 |
| Instrument | 202612050 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $80,295.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2440 FROST DR, AURORA, IL 60503-5762 |
| Document Number | 0000012051, |
|---|---|
| Date | Aug 18, 2026 |
| Instrument | 202612051 |
| Name | LOANDEPOT.COM LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.75% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 281 SPRINGBROOK TRL S, OSWEGO, IL 60543-4006 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 281 SPRINGBROOK TRL S, OSWEGO, IL 60543-4006 |
| Document Number | 0000015925 |
|---|---|
| Date | Dec 4, 2025 |
| Instrument | 202500015925 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Partial Claim Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 258 Months |
| Due | Jun 1, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENDALL IL |
| Recording Date | Jun 6, 2017 |
| Property Address | 281 SPRINGBROOK TRL S, OSWEGO, IL 60543-4006 |
| Document Number | 0000008430 |
| Instrument Date | May 25, 2017 |
| Instrument | 8430 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 281 SPRINGBROOK TRL S OSWEGO IL 605434006, OSWEGO, IL 60543-4006 |
| Document Number | 8431 |
|---|---|
| Date | Jun 6, 2017 |
| Instrument | 8431 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 5, 2047 |
The 2025 property tax bill for 281 Springbrook Trl S was $5,582, up 5.2% from the year before.
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 | $5,582.00 (+5.2%) | $79,858 (+11%) Land $14,421 Building $65,437 | $239,574 (+11%) Land $43,263 Building $196,311 |
| 2024 | $5,306.00 | $71,944 Land $12,992 Building $58,952 | $215,832 Land $38,976 Building $176,856 |
| 2022 | $58,467 Land $10,558 Building $47,909 | $175,401 Land $31,674 Building $143,727 |
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 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 Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 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 risk around 281 Springbrook Trl S 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 97% of the US · lower than 79% 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.
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 272 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 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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