Kendall County property record for 401 Carriage Ct, Oswego, IL 60543
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,350 sqft · built 1996 |
| Lot Size | 0.128 acres (5,589 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $230,000 (Oct 2021) |
| Tax Bill | $5,992 (2024) |
| Deeds & Mortgages | Nov 2022 Mortgage Oct 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-20-140-021 |
| Primary APN | 03-20-140-021 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,350 sqft Living Area |
| Gross Area | 1,770 sqft |
| 1st Floor Area | 1,350 sqft |
| Basement Area | 483 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 5,589 sqft (0.128 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|
| Street Address | 401 CARRIAGE CT |
|---|---|
| City | OSWEGO |
| State | IL |
| Zip | 60543-8207 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT LT 17 LAKEVIEW ESTATE WEST UNIT 1 LYG SELY LINE COM E COR LT 17 NW 59.79 TO POB, SW 103.35 TO SW LT LN FOR TERM VILLAGE OF OSWEGO |
| Legal Subdivision | LAKEVIEW ESTATE WEST |
| Legal Lot Number | 17 |
| Jurisdiction | KENDALL IL |
| Township / Civil Division | OSWEGO |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 890106 |
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 | 401 CARRIAGE CT, OSWEGO, IL 60543-8207 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 9, 2022 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 1, 2021 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC |
| Jun 29, 2017 | Warranty Deed, Transfer · FHA Mortgage MIDWEST COMMUNITY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 1, 2021 · Amount on Record |
| Deed Sale | Oct 1, 2021 · Amount on Record |
| Prior Sale | Jun 29, 2017 · Amount on Record |
| Deed Document Number | 202125773 |
| Prior Transfer Date | Oct 4, 1996 |
| Prior Transfer Doc | 0000011076 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 401 CARRIAGE CT, OSWEGO, IL 60543-8207 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 401 CARRIAGE CT, OSWEGO, IL 60543-8207 |
| Document Number | 0000018101 |
|---|---|
| Date | Nov 9, 2022 |
| Instrument | 202200018101 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 347 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENDALL IL |
| Recording Date | Oct 1, 2021 |
| Property Address | 401 CARRIAGE CT, OSWEGO, IL 60543-8207 |
| Document Number | 0000025773 |
| Map Reference | DOC 9411457 |
| Instrument Date | Sep 10, 2021 |
| Instrument | 202100025773 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $230.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 401 CARRIAGE CT, OSWEGO, IL 60543-8207 |
| Document Number | 0000025774 |
|---|---|
| Date | Oct 1, 2021 |
| Instrument | 202100025774 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.62% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENDALL IL |
| Recording Date | Jun 29, 2017 |
| Property Address | 401 CARRIAGE CT, OSWEGO, IL 60543-8207 |
| Document Number | 0000010053 |
| Map Reference | DOC9411457 |
| Instrument Date | Jun 14, 2017 |
| Instrument | 201700010053 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $180.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 401 CARRIAGE CT, OSWEGO, IL 60543-8207 |
| Document Number | 0000010054 |
|---|---|
| Date | Jun 29, 2017 |
| Instrument | 201700010054 |
| Name | MIDWEST COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2047 |
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 | $90,123 (+40.39%) Land $16,541 Building $73,582 | $270,369 (+40.39%) Land $49,623 Building $220,746 | |
| 2024 | $5,992.00 | ||
| 2022 | $64,195 Land $11,783 Building $52,412 | $192,585 Land $35,349 Building $157,236 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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 387 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures