316 Hemlock Ct, Oswego, IL 60543 Property Records

Kendall County property record for 316 Hemlock Ct, Oswego, IL 60543

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,059 sqft · built 2006
Lot Size	0.293 acres (12,742 sqft)
Owner	Individual Name on File
Last Sale	$556,000 (Oct 2022)
Tax Bill	$12,597 (2024)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Apr 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-21-375-020`

Property Details

APN / Parcel Number

Primary APN	`03-21-375-020`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,059 sqft Living Area
Gross Area	4,823 sqft
1st Floor Area	4,059 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Material	Asphalt
Lot Area	12,742 sqft (0.293 acres)
Garage Type	Attached
Garage Area	764 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	316 HEMLOCK CT
City	OSWEGO
State	IL
Zip	60543-3600
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 102 ASHCROFT PLACE VILLAGE OF OSWEGO
Legal Subdivision	ASHCROFT PLACE
Legal Lot Number	102
Jurisdiction	KENDALL IL
Township / Civil Division	OSWEGO
Census Block Group	2
Census Block	2036
Census Tract	890107

Owner

316 Hemlock Ct is owned and occupied by an individual who bought it in October 2022.

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

Owner of Record	Individual Name on File
Mailing Address	316 HEMLOCK CT, OSWEGO, IL 60543-3600
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 26, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 4, 2022	Deed of Trust, Mortgage · Line of Credit OLD SECOND NATIONAL BANK
Jul 6, 2021	Intrafamily Transfer, Transfer
Jan 26, 2021	Deed of Trust, Mortgage · Line of Credit OLD SECOND NATIONAL BANK
Feb 24, 2017	Warranty Deed, Transfer · ARM OLD SECOND NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2022 · Amount on File
Deed Sale	Oct 26, 2022 · Amount on File
Prior Sale	Feb 24, 2017 · Amount on File
Deed Document Number	202217440
Prior Transfer Date	Jun 25, 2021
Prior Transfer Doc	0000017093
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Oct 26, 2022
Property Address	316 HEMLOCK CT, OSWEGO, IL 60543-3600
Document Number	0000017440
Map Reference	DOC 200400019250
Instrument Date	Aug 25, 2022
Instrument	202200017440
Transaction Type	Transfer
Record Updated	Nov 4, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$556.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 HEMLOCK CT, OSWEGO, IL 60543-3600

Mortgage

Document Number	0000017441
Date	Oct 26, 2022
Instrument	202200017441

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Fixed Rate
Rate	4.99%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	316 HEMLOCK CT, OSWEGO, IL 60543-3600
Transaction Type	Mortgage
Record Updated	Apr 12, 2022
Title Company	WHEATLAND TITLE, WHEATLAND TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006027
Date	Apr 4, 2022
Instrument	202200006027

Lender

Name	OLD SECOND NATIONAL BANK
Type	Bank
Address	AURORA, IL 60506

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 25, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENDALL IL
Recording Date	Jul 6, 2021
Property Address	316 HEMLOCK CT, OSWEGO, IL 60543-3600
Document Number	0000017093
Map Reference	DOC 2000400019250
Instrument Date	Jun 25, 2021
Instrument	202100017093
Transaction Type	Transfer
Record Updated	Jul 15, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 HEMLOCK CT, OSWEGO, IL 60543-3600

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	316 HEMLOCK CT, OSWEGO, IL 60543-3600
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	HEARTLAND TITLE COMPANY, WHEATLAND TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002266
Date	Jan 26, 2021
Instrument	202100002266

Lender

Name	OLD SECOND NATIONAL BANK
Type	Bank
Address	AURORA, IL 60506

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Feb 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Feb 24, 2017
Property Address	316 HEMLOCK CT, OSWEGO, IL 60543-3600
Document Number	0000003188
Map Reference	DOC200400019250
Instrument Date	Feb 20, 2017
Instrument	201700003188
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	WHEATLAND TITLE GUARANTY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$355.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 HEMLOCK CT, OSWEGO, IL 60543-3600

Mortgage

Document Number	0000003189
Date	Feb 24, 2017
Instrument	201700003189

Lender

Name	OLD SECOND NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Mar 1, 2024
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6%
Index	1-Year LIBOR
Max Rate	9%

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		$165,792 Land $36,348 Building $129,444	$497,376 Land $109,044 Building $388,332
2024	$12,597.00
2022		$133,121 Land $29,185 Building $103,936	$399,363 Land $87,555 Building $311,808

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 316 Hemlock Ct 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

The area around 316 Hemlock Ct has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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.

Nearby Properties on Hemlock Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures