Kendall County property record for 326 Millstream Ln, Oswego, IL 60543
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,726 sqft · built 2001 |
| Lot Size | 0.265 acres (11,541 sqft) |
| Owner | Company Name on Record |
| Last Sale | $260,000 (Nov 2016) |
| Tax Bill | $10,030 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Mar 2024 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-18-220-010 |
| Primary APN | 03-18-220-010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,726 sqft Living Area |
| Gross Area | 3,191 sqft |
| 1st Floor Area | 2,726 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Brick |
| Roof Material | Asphalt |
| Lot Area | 11,541 sqft (0.265 acres) |
| Lot Dimensions | 125 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 465 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 326 MILLSTREAM LN |
|---|---|
| City | OSWEGO |
| State | IL |
| Zip | 60543-8274 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 14 RIVER RUN SUB UNIT 1 VILLAGE OF OSWEGO |
| Legal Subdivision | RIVER RUN SUB |
| Legal Lot Number | 14 |
| Jurisdiction | KENDALL IL |
| Township / Civil Division | OSWEGO |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 890301 |
Source: Kendall County records, as of July 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 326 MILLSTREAM LN, OSWEGO, IL 60543-8274 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Mar 22, 2024 | Deed of Trust, Mortgage PENNYMAC LOAN SERVICES LLC |
| Mar 1, 2024 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Feb 14, 2024 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Mar 10, 2022 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Aug 7, 2020 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 16, 2016 · Amount on Record |
| Deed Sale | Nov 16, 2016 · Amount on Record |
| Prior Sale | Aug 31, 2015 · Amount on Record |
| Deed Document Number | 201618180 |
| Prior Transfer Date | May 2, 2013 |
| Prior Transfer Doc | 0000010082 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 326 MILLSTREAM LN, OSWEGO, IL 60543-8274 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 326 MILLSTREAM LN, OSWEGO, IL 60543-8274 |
| Document Number | 0000002974 |
|---|---|
| Date | Mar 22, 2024 |
| Instrument | 202400002974 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | 6101 CONDOR DR # 200, MOORPARK, CA 93021 |
| Amount | Amount Recorded |
|---|---|
| Term | 480 Months |
| Due | Mar 1, 2064 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 326 MILLSTREAM LN, OSWEGO, IL 60543-8274 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 326 MILLSTREAM LN, OSWEGO, IL 60543-8274 |
| Document Number | 0000002162 |
|---|---|
| Date | Mar 1, 2024 |
| Instrument | 202400002162 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 273 Months |
| Due | Dec 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 326 MILLSTREAM LN, OSWEGO, IL 60543-8274 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2024 |
| Name | Verified Name |
|---|---|
| Address | 10 S LA SALLE ST 2750, 2750, CHICAGO, IL 60603-1108 |
| Document Number | 0000001620 |
|---|---|
| Date | Feb 14, 2024 |
| Instrument | 202400001620 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 271 Months |
| Due | Sep 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 326 MILLSTREAM LN, OSWEGO, IL 60543-8274 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 326 MILLSTREAM LN, OSWEGO, IL 60543-8274 |
| Document Number | 0000004611 |
|---|---|
| Date | Mar 10, 2022 |
| Instrument | 202200004611 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 297 Months |
| Due | Dec 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 326 MILLSTREAM LN, OSWEGO, IL 60543-8274 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000014660 |
|---|---|
| Date | Aug 7, 2020 |
| Instrument | 202000014660 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 316 Months |
| Due | Dec 1, 2046 |
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 | $10,030.00 (+3.79%) | $138,700 (+39.15%) Land $30,391 Building $108,309 | $416,100 (+39.15%) Land $91,173 Building $324,927 |
| 2024 | $9,664.00 | ||
| 2022 | $99,676 Land $21,840 Building $77,836 | $299,028 Land $65,520 Building $233,508 |
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.
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.
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.
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 477 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 |
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