401 Baker Ct, Oswego, IL 60543 Property Records

Kendall County property record for 401 Baker Ct, Oswego, IL 60543

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,427 sqft · built 2011
Lot Size	0.24 acres (10,442 sqft)
Owner	2 Individual Names on Record
Last Sale	$289,000 (Oct 2011)
Tax Bill	$10,589 (2024)
Deeds & Mortgages	Oct 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-12-481-008`

Property Details

APN / Parcel Number

Primary APN	`03-12-481-008`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,427 sqft Living Area
Gross Area	4,184 sqft
1st Floor Area	2,427 sqft
Basement Area	1,306 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Material	Asphalt
Lot Area	10,442 sqft (0.24 acres)
Garage Type	Attached
Garage Area	451 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	401 BAKER CT
City	OSWEGO
State	IL
Zip	60543-4057
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 PRESCOTT MILL SUB VILLAGE OF OSWEGO
Legal Subdivision	PRESCOTT MILL SUB
Legal Lot Number	10
Jurisdiction	KENDALL IL
Township / Civil Division	OSWEGO
Census Block Group	3
Census Block	3047
Census Tract	890105

Owner

Source: Kendall County records, as of October 13, 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	401 BAKER CT, OSWEGO, IL 60543-4057
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2011 · Amount on Record
Deed Sale	Oct 6, 2011 · Amount on Record
Deed Document Number	201116286
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Recording Date	Oct 7, 2026
Property Address	401 BAKER CT, OSWEGO, IL 60543-4057
Document Number	0000014686
Instrument Date	Oct 1, 2026
Instrument	202614686
Transaction Type	Mortgage
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	401 BAKER CT, OSWEGO, IL 60543-4057

Mortgage

Document Number	0000014686,
Date	Oct 7, 2026
Instrument	202614686

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Fixed Rate
Rate	8.38%
Initial Type	Fixed Rate
Max Rate	-1%

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		$151,350 (+37.94%) Land $29,836 Building $121,514	$454,050 (+37.94%) Land $89,508 Building $364,542
2024	$10,589.00
2022		$109,722 Land $21,630 Building $88,092	$329,166 Land $64,890 Building $264,276

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 Policies	2 in force
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2026 · other causes

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 97% of the US · lower than 79% 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 132 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
Watch TV Fixed Wireless	400 / 40
T-Mobile Fixed Wireless	100 / 20