401 Cotoneaster Ct, Oswego, IL 60543 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,723 sqft · built 2006
Lot Size	0.282 acres (12,303 sqft)
Owner	2 Individual Names on Record
Last Sale	$485,000 (Jul 2026)
Tax Bill	$10,148 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Aug 2023 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-21-376-024`

Property Details

APN / Parcel Number

Primary APN	`03-21-376-024`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,723 sqft Living Area
Gross Area	3,230 sqft
1st Floor Area	2,723 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Material	Asphalt
Lot Area	12,303 sqft (0.282 acres)
Garage Type	Attached
Garage Area	507 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	401 COTONEASTER CT
City	OSWEGO
State	IL
Zip	60543-2900
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 141 ASHCROFT PLACE VILLAGE OF OSWEGO
Legal Subdivision	ASHCROFT PLACE
Legal Lot Number	141
Jurisdiction	KENDALL IL
Township / Civil Division	OSWEGO
Census Block Group	2
Census Block	2052
Census Tract	890107

Owner

Source: Kendall County records, as of July 21, 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	9824 GREY SANDS ST, LAS VEGAS, NV 89141-8866
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2026	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE COMPANY
Aug 2, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Mar 25, 2021	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2026 · Amount on Record
Deed Sale	Jul 8, 2026 · Amount on Record
Prior Sale	Mar 25, 2021 · Amount on Record
Deed Document Number	20269792
Prior Transfer Date	Feb 23, 2012
Prior Transfer Doc	0000005003
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Jul 8, 2026
Property Address	401 COTONEASTER CT, OSWEGO, IL 60543-2900
Document Number	0000009792
Instrument Date	Jun 23, 2026
Instrument	20269792
Transaction Type	Transfer
Record Updated	Jul 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$146,955.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9824 GREY SANDS ST, LAS VEGAS, NV 89141-8866

Mortgage

Document Number	0000009794,
Date	Jul 8, 2026
Instrument	20269794

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jul 1, 2051

Interest

Rate	6.53%
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	401 COTONEASTER CT, OSWEGO, IL 60543-2900
Transaction Type	Mortgage
Record Updated	Oct 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008551
Date	Aug 2, 2023
Instrument	202300008551

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 2, 2053

Interest

Rate Type	Fixed Rate
Rate	9.74%

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Mar 25, 2021
Property Address	401 COTONEASTER CT, OSWEGO, IL 60543-2900
Document Number	0000007728
Map Reference	DOC 200400019250
Instrument Date	Jan 11, 2021
Instrument	202100007728
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 COTONEASTER CT, OSWEGO, IL 60543-2900

Mortgage

Document Number	0000007729
Date	Mar 25, 2021
Instrument	202100007729

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

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	$10,148.00 (-4.1%)	$140,258 (+2%) Land $32,711 Building $107,547	$420,774 (+2%) Land $98,133 Building $322,641
2024	$10,582.00	$137,508 (+22.1%) Land $32,070 Building $105,438	$412,524 (+22.1%) Land $96,210 Building $316,314
2022		$112,619 Land $26,265 Building $86,354	$337,857 Land $78,795 Building $259,062

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	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 280 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 / 2,000
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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