338 Millstream Ln, Oswego, IL 60543 Property Records

Kendall County property record for 338 Millstream Ln, Oswego, IL 60543

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,326 sqft · built 2001
Lot Size	0.281 acres (12,249 sqft)
Owner	2 Individual Names on Record
Last Sale	$442,000 (Jan 2026)
Tax Bill	$9,685 (2024)
Deeds & Mortgages	Jan 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-18-220-005`

Property Details

APN / Parcel Number

Primary APN	`03-18-220-005`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,326 sqft Living Area
Gross Area	4,170 sqft
1st Floor Area	2,326 sqft
Basement Area	1,158 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	12,249 sqft (0.281 acres)
Lot Dimensions	135 ft deep x 144 ft wide
Garage Type	Attached
Garage Area	686 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	338 MILLSTREAM LN
City	OSWEGO
State	IL
Zip	60543-8274
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 19 RIVER RUN SUB UNIT 1 VILLAGE OF OSWEGO
Legal Subdivision	RIVER RUN SUB
Legal Lot Number	19
Jurisdiction	KENDALL IL
Township / Civil Division	OSWEGO
Census Block Group	2
Census Block	2009
Census Tract	890301

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	338 MILLSTREAM LN, OSWEGO, IL 60543-8274
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2026 · Amount on Record
Deed Sale	Jan 20, 2026 · Amount on Record
Prior Sale	May 13, 2024 · Amount on Record
Deed Document Number	2026785
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Jan 20, 2026
Property Address	338 MILLSTREAM LN, OSWEGO, IL 60543-8274
Document Number	0000000785
Instrument Date	Jan 7, 2026
Instrument	202600000785
Transaction Type	Transfer
Record Updated	Feb 2, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$442.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	338 MILLSTREAM LN, OSWEGO, IL 60543-8274

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1756 W ORCHARD RD # 338, 338, NORTH AURORA, IL 60542-1897

Mortgage

Document Number	0000000786
Date	Jan 20, 2026
Instrument	202600000786

Lender

Name	UNITED HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%

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		$132,392 (+1%) Land $30,391 Building $102,001	$397,176 (+1%) Land $91,173 Building $306,003
2024	$9,685.00	$120,356 (+26.5%) Land $27,628 Building $92,728	$361,068 (+26.5%) Land $82,884 Building $278,184
2022		$95,143 Land $21,840 Building $73,303	$285,429 Land $65,520 Building $219,909

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

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	Severe Storms And Flooding, Sep 2008 · 2 claims

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

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 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