402 Joseph Ct, Oswego, IL 60543 Property Records

Kendall County property record for 402 Joseph Ct, Oswego, IL 60543

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,132 sqft · built 1997
Lot Size	0.229 acres (9,970 sqft)
Owner	2 Individual Names on File
Last Sale	$245,000 (Apr 2017)
Tax Bill	$9,671 (2024)
Deeds & Mortgages	Nov 2022 Transfer Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-09-115-012`

Property Details

APN / Parcel Number

Primary APN	`03-09-115-012`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,132 sqft Living Area
Gross Area	3,652 sqft
1st Floor Area	2,132 sqft
Basement Area	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Material	Asphalt
Lot Area	9,970 sqft (0.229 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	402 JOSEPH CT
City	OSWEGO
State	IL
Zip	60543-7315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 143 THE PONDS AT MILL RACE CREEK VILLAGE OF OSWEGO
Legal Subdivision	MILL RACE CREEK
Legal Lot Number	143
Jurisdiction	KENDALL IL
Township / Civil Division	OSWEGO
Census Block Group	4
Census Block	4019
Census Tract	890302

Owner

402 Joseph Ct is owned and occupied by two individuals who acquired it in August 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	402 JOSEPH CT, OSWEGO, IL 60543-7315
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2022	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Apr 19, 2017	Warranty Deed, Transfer · VA Mortgage FIRST CENTENNIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2017 · Amount on File
Deed Sale	Apr 19, 2017 · Amount on File
Prior Sale	Aug 1, 2002 · Amount on File
Deed Document Number	20175787
Last Transfer Date	Aug 2, 2022
Transfer Doc	0000018249
Record Updated	Sep 20, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENDALL IL
Recording Date	Nov 14, 2022
Property Address	402 JOSEPH CT, OSWEGO, IL 60543-7315
Document Number	0000018249
Map Reference	DOC 9411306
Instrument Date	Aug 2, 2022
Instrument	202200018249
Transaction Type	Transfer
Record Updated	Dec 2, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

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
Relationship	Tenants by the Entirety
Address	402 JOSEPH CT, OSWEGO, IL 60543-7315

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Apr 19, 2017
Property Address	402 JOSEPH CT, OSWEGO, IL 60543-7315
Document Number	0000005787
Map Reference	DOC9411306
Instrument Date	Apr 10, 2017
Instrument	201700005787
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$245.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 JOSEPH CT, OSWEGO, IL 60543-7315

Mortgage

Document Number	0000005788
Date	Apr 19, 2017
Instrument	201700005788

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company
Address	AURORA, IL 60506

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Interest

Rate Type	Fixed Rate
Rate	3.87%

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		$132,494 Land $33,083 Building $99,411	$397,482 Land $99,249 Building $298,233
2024	$9,671.00
2022		$101,516 Land $25,348 Building $76,168	$304,548 Land $76,044 Building $228,504

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

FEMA maps place 402 Joseph Ct in Zone X, an area of minimal flood risk.

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.

Wildfire

The area around 402 Joseph Ct has no burnable land within ember reach, so its wildfire risk is not rated.

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 430 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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