307 Hemlock Ln, Oswego, IL 60543 Property Records

Kendall County property record for 307 Hemlock Ln, Oswego, IL 60543

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,413 sqft · built 2005
Lot Size	0.231 acres (10,082 sqft)
Owner	2 Individual Names on File
Last Sale	$284,500 (Mar 2019)
Tax Bill	$11,524 (2024)
Deeds & Mortgages	Dec 2021 Mortgage Mar 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-21-376-010`

Property Details

APN / Parcel Number

Primary APN	`03-21-376-010`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,413 sqft Living Area
Gross Area	5,716 sqft
1st Floor Area	3,413 sqft
Basement Area	1,798 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Material	Asphalt
Lot Area	10,082 sqft (0.231 acres)
Lot Dimensions	125 ft deep x 76 ft wide
Garage Type	Attached
Garage Area	505 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	307 HEMLOCK LN
City	OSWEGO
State	IL
Zip	60543-3501
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 127 ASHCROFT PLACE VILLAGE OF OSWEGO
Legal Subdivision	ASHCROFT PLACE
Legal Lot Number	127
Jurisdiction	KENDALL IL
Township / Civil Division	OSWEGO
Census Block Group	2
Census Block	2052
Census Tract	890107

Owner

307 Hemlock Ln is owned and occupied by two individuals who bought it in March 2019.

Source: Kendall County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	307 HEMLOCK LN, OSWEGO, IL 60543-3501
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Mar 27, 2019	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Jul 3, 2018	Grant Deed, Transfer OS NATIONAL LLC, OS NAT'L LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2019 · Amount on File
Deed Sale	Mar 27, 2019 · Amount on File
Prior Sale	Oct 2, 2013 · Amount on File
Deed Document Number	20193623
Prior Transfer Date	Oct 16, 2012
Prior Transfer Doc	0000020370
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	307 HEMLOCK LN, OSWEGO, IL 60543-3501
Transaction Type	Mortgage
Record Updated	Jan 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033847
Date	Dec 30, 2021
Instrument	202100033847

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 1, 2041

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Mar 27, 2019
Property Address	307 HEMLOCK LN, OSWEGO, IL 60543-3501
Document Number	0000003623
Map Reference	DOC200400019250
Instrument Date	Feb 21, 2019
Instrument	201900003623
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$284.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	307 HEMLOCK LN, OSWEGO, IL 60543-3501

Mortgage

Document Number	0000003624
Date	Mar 27, 2019
Instrument	201900003624

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENDALL IL
Recording Date	Jul 3, 2018
Property Address	307 HEMLOCK LN, OSWEGO, IL 60543-3501
Document Number	0000009303
Instrument Date	Jun 28, 2018
Instrument	9303
Transaction Type	Transfer
Record Updated	Dec 21, 2018
Title Company	OS NATIONAL LLC, OS NAT'L LLC

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1717 MAIN ST #2000 DALLAS TX 752014657, 2000, DALLAS, TX 75201-4657

Tax Assessment & Valuation

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		$152,192 Land $32,711 Building $119,481	$456,576 Land $98,133 Building $358,443
2024	$11,524.00
2022		$122,201 Land $26,265 Building $95,936	$366,603 Land $78,795 Building $287,808

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 307 Hemlock Ln 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	4 in force

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

Wildfire risk around 307 Hemlock Ln 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 99.1% of the US · lower than 94% 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.

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 280 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 / 2,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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