405 Cotoneaster Ct, Oswego, IL 60543 Property Records

Kendall County property record for 405 Cotoneaster Ct, Oswego, IL 60543

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,054 sqft · built 2006
Lot Size	0.345 acres (15,026 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Mar 2025)
Tax Bill	$10,724 (2024)
Deeds & Mortgages	Aug 2023 Line of Credit Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-21-376-022`

Property Details

APN / Parcel Number

Primary APN	`03-21-376-022`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,054 sqft Living Area
Gross Area	5,173 sqft
1st Floor Area	3,054 sqft
Basement Area	1,614 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	15,026 sqft (0.345 acres)
Garage Type	Attached
Garage Area	505 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	405 COTONEASTER CT
City	OSWEGO
State	IL
Zip	60543-2900
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 139 ASHCROFT PLACE VILLAGE OF OSWEGO
Legal Subdivision	ASHCROFT PLACE
Legal Lot Number	139
Jurisdiction	KENDALL IL
Township / Civil Division	OSWEGO
Census Block Group	2
Census Block	2052
Census Tract	890107

Owner

Source: Kendall County assessment roll, 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	2 Individual Names on File
Mailing Address	113 EISENHOWER DR, OSWEGO, IL 60543-7407
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Feb 28, 2022	Deed of Trust, Mortgage · FHA Mortgage PNC BANK NA
Jan 29, 2019	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 13, 2025 · Amount on Record
Deed Sale	Mar 13, 2025 · Amount on Record
Prior Sale	Mar 25, 2009 · Amount on Record
Deed Document Number	20253049
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	405 COTONEASTER CT, OSWEGO, IL 60543-2900
Transaction Type	Mortgage
Record Updated	Oct 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 COTONEASTER CT, OSWEGO, IL 60543-2900

Mortgage

Document Number	0000009226
Date	Aug 17, 2023
Instrument	202300009226

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Aug 15, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	405 COTONEASTER CT, OSWEGO, IL 60543-2900
Transaction Type	Mortgage
Record Updated	Mar 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 COTONEASTER CT, OSWEGO, IL 60543-2900

Mortgage

Document Number	0000003824
Date	Feb 28, 2022
Instrument	202200003824

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	250 Months
Due	Dec 1, 2042

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	405 COTONEASTER CT, OSWEGO, IL 60543-2900
Transaction Type	Mortgage
Record Updated	Jun 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001181
Date	Jan 29, 2019
Instrument	201900001181

Lender

Name	PNC BANK NA
Type	Bank
Address	CLEVELAND, OH 44101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 25, 2039

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		$142,054 (+24.54%) Land $32,711 Building $109,343	$426,162 (+24.54%) Land $98,133 Building $328,029
2024	$10,724.00
2022		$114,061 Land $26,265 Building $87,796	$342,183 Land $78,795 Building $263,388

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

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 Holdings Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 2,000
Benton Ridge Telephone Company Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T.

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