Kendall County property record for 405 Baker Ct, Oswego, IL 60543
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,598 sqft · built 2006 |
| Lot Size | 0.217 acres (9,448 sqft) |
| Owner | Individual Name on File |
| Last Sale | $339,000 (Jul 2008) |
| Tax Bill | $11,089 (2024) |
| Deeds & Mortgages | Aug 2022 Mortgage Aug 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-12-481-010 |
| Primary APN | 03-12-481-010 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,598 sqft Living Area |
| Gross Area | 4,567 sqft |
| 1st Floor Area | 2,598 sqft |
| Basement Area | 1,309 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 9,448 sqft (0.217 acres) |
| Garage Type | Attached |
| Garage Area | 660 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Water Source | Commercial |
| Street Address | 405 BAKER CT |
|---|---|
| City | OSWEGO |
| State | IL |
| Zip | 60543-4057 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 8 PRESCOTT MILL SUB VILLAGE OF OSWEGO |
| Legal Subdivision | PRESCOTT MILL SUB |
| Legal Lot Number | 8 |
| Jurisdiction | KENDALL IL |
| Township / Civil Division | OSWEGO |
| Census Block Group | 3 |
| Census Block | 3047 |
| Census Tract | 890105 |
405 Baker Ct is owned and occupied by an individual who acquired it in September 2022.
Source: Kendall County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 405 BAKER CT, OSWEGO, IL 60543-4057 |
| 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.
| Date | Document |
|---|---|
| Aug 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC |
| Aug 9, 2022 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Sep 22, 2022 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 3, 2008 · Amount on File |
| Deed Sale | Jul 3, 2008 · Amount on File |
| Deed Document Number | 200815884 |
| Last Transfer Date | Sep 22, 2022 |
| Transfer Doc | 0000015603 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 405 BAKER CT, OSWEGO, IL 60543-4057 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000013793 |
|---|---|
| Date | Aug 18, 2022 |
| Instrument | 202200013793 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | DALLAS, TX 75254 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.87% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KENDALL IL |
| Recording Date | Aug 9, 2022 |
| Property Address | 405 BAKER CT, OSWEGO, IL 60543-4057 |
| Document Number | 0000013336 |
| Map Reference | DOC R200500032276 |
| Instrument Date | Aug 5, 2022 |
| Instrument | 202200013336 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 405 BAKER CT, OSWEGO, IL 60543-4057 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KENDALL IL |
| Recording Date | Sep 22, 2022 |
| Property Address | 405 BAKER CT, OSWEGO, IL 60543-4057 |
| Document Number | 0000015603 |
| Map Reference | DOC 200500032276 |
| Instrument Date | Aug 5, 2022 |
| Instrument | 202200015603 |
| Transaction Type | Transfer |
| Record Updated | Oct 3, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 405 BAKER CT, OSWEGO, IL 60543-4057 |
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 | $158,185 Land $29,836 Building $128,349 | $474,555 Land $89,508 Building $385,047 | |
| 2024 | $11,089.00 | ||
| 2022 | $114,677 Land $21,630 Building $93,047 | $344,031 Land $64,890 Building $279,141 |
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.
FEMA maps place 405 Baker Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.
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 risk around 405 Baker Ct is low, with less than a 0.01% annual chance of 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.
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 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 |
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