Kendall County property record for 314 Millstream Ln, Oswego, IL 60543
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,830 sqft · built 2002 |
| Lot Size | 0.259 acres (11,279 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $276,500 (Jun 2019) |
| Tax Bill | $10,319 (2024) |
| Deeds & Mortgages | Dec 2022 Mortgage Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-18-220-016 |
| Primary APN | 03-18-220-016 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,830 sqft Living Area |
| Gross Area | 5,103 sqft |
| 1st Floor Area | 2,830 sqft |
| Basement Area | 1,611 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Brick |
| Roof Material | Asphalt |
| Lot Area | 11,279 sqft (0.259 acres) |
| Lot Dimensions | 125 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 662 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 314 MILLSTREAM LN |
|---|---|
| City | OSWEGO |
| State | IL |
| Zip | 60543-8274 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 8 RIVER RUN SUB UNIT 1 VILLAGE OF OSWEGO |
| Legal Subdivision | RIVER RUN SUB |
| Legal Lot Number | 8 |
| Jurisdiction | KENDALL IL |
| Township / Civil Division | OSWEGO |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 890301 |
314 Millstream Ln is owned and occupied by two individuals who bought it in June 2019.
Source: Kendall County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 314 MILLSTREAM LN, OSWEGO, IL 60543-8274 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
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 |
|---|---|
| Dec 14, 2022 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Jun 13, 2020 | Deed of Trust, Mortgage · FHA Mortgage MR COOPER |
| Jun 13, 2019 | Warranty Deed, Transfer · FHA Mortgage MR COOPER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 13, 2019 · Amount on File |
| Deed Sale | Jun 13, 2019 · Amount on File |
| Prior Sale | Feb 21, 2012 · Amount on File |
| Deed Document Number | 20197600 |
| Prior Transfer Date | Sep 7, 2016 |
| Prior Transfer Doc | 0000014792 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 314 MILLSTREAM LN, OSWEGO, IL 60543-8274 |
| Transaction Type | Mortgage |
| Record Updated | Dec 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000019564 |
|---|---|
| Date | Dec 14, 2022 |
| Instrument | 202200019564 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 314 MILLSTREAM LN, OSWEGO, IL 60543-8274 |
| Document Number | 0000010745 |
| Instrument Date | Jun 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 314 MILLSTREAM LN OSWEGO IL 605438274, OSWEGO, IL 60543-8274 |
| Document Number | 0000010745 |
|---|---|
| Date | Jun 22, 2020 |
| Instrument | 10745 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 24 Months |
| Due | Jun 21, 2022 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENDALL IL |
| Recording Date | Jun 13, 2019 |
| Property Address | 314 MILLSTREAM LN, OSWEGO, IL 60543-8274 |
| Document Number | 0000007600 |
| Instrument Date | May 24, 2019 |
| Instrument | 7600 |
| Transaction Type | Transfer |
| Record Updated | Jun 20, 2019 |
| Title Company | HOME CLOSING SERVICES INC, HOME CLOSING SVCS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $276.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 168 PRESIDENTIAL BLVD OSWEGO IL 605439816, OSWEGO, IL 60543-9816 |
| Document Number | 7601 |
|---|---|
| Date | Jun 13, 2019 |
| Instrument | 7601 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 12, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.37% |
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 | $147,658 Land $30,391 Building $117,267 | $442,974 Land $91,173 Building $351,801 | |
| 2024 | $10,319.00 | ||
| 2022 | $106,114 Land $21,840 Building $84,274 | $318,342 Land $65,520 Building $252,822 |
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 314 Millstream Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1996.
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 Claims | 3 (1996–2008) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Sep 2008 · Severe Storms And Flooding |
| Claims by Event |
|
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 314 Millstream 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 | 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 347 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 DSL · Fiber in parts of the area | 100 / 20 |
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