398 Bloomfield Cir E, Oswego, IL 60543 Property Records

Kendall County property record for 398 Bloomfield Cir E, Oswego, IL 60543

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,999 sqft · built 2023
Lot Size	0.313 acres (13,614 sqft)
Owner	Individual Name on Record
Last Sale	$487,500 (Oct 2022)
Tax Bill	$13,323 (2024)
Deeds & Mortgages	Oct 2022 Sale & Mortgage May 2022 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-21-179-001`

Property Details

APN / Parcel Number

Primary APN	`03-21-179-001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,999 sqft Living Area
Gross Area	4,986 sqft
1st Floor Area	2,999 sqft
Basement Area	1,286 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Bi-Level
Exterior Material	Stone
Roof Material	Asphalt
Lot Area	13,614 sqft (0.313 acres)
Lot Dimensions	159 ft deep x 83 ft wide
Garage Type	Attached
Garage Area	701 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	398 BLOOMFIELD CIR E
City	OSWEGO
State	IL
Zip	60543-5216
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 109 AUTUMN GATE AT SOUTHBURY VILLAGE OF OSWEGO
Legal Subdivision	AUTUMN GATE AT SOUTHBURY
Legal Lot Number	109
Jurisdiction	KENDALL IL
Township / Civil Division	OSWEGO
Census Block Group	2
Census Block	2031
Census Tract	890107

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	Individual Name on Record
Mailing Address	398 BLOOMFIELD CIR E, OSWEGO, IL 60543-5216
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2022	Warranty Deed, Subdivision Related Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 17, 2022	Deed of Trust, Mortgage · Construction Mortgage OLD SECOND NATIONAL BANK
Apr 29, 2022	Intrafamily Transfer, Transfer
Jan 8, 2020	Deed of Trust, Mortgage · Commercial Mortgage WEST SUBURBAN BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2022 · Amount on Record
Deed Sale	Oct 14, 2022 · Amount on Record
Prior Sale	Apr 15, 2015 · Amount on Record
Deed Document Number	202216778
Prior Transfer Date	Apr 28, 2022
Prior Transfer Doc	0000007703
Record Updated	Sep 20, 2026

October 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Oct 14, 2022
Property Address	398 BLOOMFIELD CIR E, OSWEGO, IL 60543-5216
Document Number	0000016778
Map Reference	DOC 200500006025
Instrument Date	Oct 5, 2022
Instrument	202200016778
Transaction Type	Subdivision Related Transfer
Record Updated	May 30, 2023
Title Company	HEARTLAND TITLE COMPANY, WHEATLAND TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$487.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 BLOOMFIELD CIR E, OSWEGO, IL 60543-5216

Mortgage

Document Number	0000016779
Date	Oct 14, 2022
Instrument	202200016779

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	398 BLOOMFIELD CIR E, OSWEGO, IL 60543-5216
Transaction Type	Mortgage
Record Updated	May 26, 2022
Title Company	HEARTLAND TITLE COMPANY, WHEATLAND TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008671
Date	May 17, 2022
Instrument	202200008671

Lender

Name	OLD SECOND NATIONAL BANK
Type	Bank
Address	LOMBARD, IL 60148

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENDALL IL
Recording Date	Apr 29, 2022
Property Address	398 BLOOMFIELD CIR E, OSWEGO, IL 60543-5216
Document Number	0000007703
Map Reference	DOC 200500006025
Instrument Date	Apr 28, 2022
Instrument	202200007703
Transaction Type	Transfer
Record Updated	May 9, 2022

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	PO BOX 354, BRISTOL, IL 60512-0354

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	398 BLOOMFIELD CIR E, OSWEGO, IL 60543-5216
Transaction Type	Mortgage
Record Updated	Apr 26, 2022
Title Company	WHEATLAND TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000207
Date	Jan 8, 2020
Instrument	202000000207

Lender

Name	WEST SUBURBAN BANK
Type	Bank
Address	LOMBARD, IL 60148

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$180,145 (+948,031.58%) Land $31,702 Building $148,443	$540,435 (+948,031.58%) Land $95,106 Building $445,329
2024	$13,323.00
2022		$19 Land $19	$57 Land $57

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

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 148 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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