Kendall County property record for 405 Highland Ct, Oswego, IL 60543
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,160 sqft · built 1999 |
| Lot Size | 0.239 acres (10,423 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $210,000 (Sep 1999) |
| Tax Bill | $10,143 (2024) |
| Deeds & Mortgages | Jul 2021 Mortgage Dec 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-20-144-031 |
| Primary APN | 03-20-144-031 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,160 sqft Living Area |
| Gross Area | 3,864 sqft |
| 1st Floor Area | 2,160 sqft |
| Basement Area | 1,104 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Brick |
| Roof Material | Asphalt |
| Lot Area | 10,423 sqft (0.239 acres) |
| Lot Dimensions | 124 ft deep x 92 ft wide |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 405 HIGHLAND CT |
|---|---|
| City | OSWEGO |
| State | IL |
| Zip | 60543-8209 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 55 LAKEVIEW ESTATES WEST SUB., UNIT 1 VILLAGE OF OSWEGO |
| Legal Subdivision | LAKEVIEW ESTATES WEST SUB |
| Legal Lot Number | 55 |
| Jurisdiction | KENDALL IL |
| Township / Civil Division | OSWEGO |
| Census Block Group | 3 |
| Census Block | 3004 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 405 HIGHLAND CT, OSWEGO, IL 60543-8209 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jul 22, 2021 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Dec 4, 2018 | Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV |
| Mar 25, 2009 | Loan Modification, Mortgage · Conventional with PMI US BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 1999 · Amount on Record |
| Deed Sale | Sep 16, 1999 · Amount on Record |
| Deed Document Number | 199913696 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 405 HIGHLAND CT, OSWEGO, IL 60543-8209 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2021 |
| Name | Verified Name |
|---|---|
| Address | 405 HIGHLAND CT, OSWEGO, IL 60543-8209 |
| Document Number | 0000018568 |
|---|---|
| Date | Jul 22, 2021 |
| Instrument | 202100018568 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 330 Months |
| Due | Jan 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 405 HIGHLAND CT, OSWEGO, IL 60543-8209 |
| Document Number | 0000018012 |
| Instrument Date | Dec 4, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 405 HIGHLAND CT OSWEGO IL 605438209, OSWEGO, IL 60543-8209 |
| Document Number | 0000018012 |
|---|---|
| Date | Dec 21, 2018 |
| Instrument | 18012 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 20, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 405 HIGHLAND CT, OSWEGO, IL 60543-8209 |
| Document Number | 0000018013 |
| Instrument Date | Mar 25, 2009 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 405 HIGHLAND CT OSWEGO IL 605438209, OSWEGO, IL 60543-8209 |
| Document Number | 0000018013 |
|---|---|
| Date | Dec 21, 2018 |
| Instrument | 18013 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 20, 2048 |
| Rate | 4.75% |
|---|
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 | $139,968 (+31.76%) Land $29,042 Building $110,926 | $419,904 (+31.76%) Land $87,126 Building $332,778 | |
| 2024 | $10,143.00 | ||
| 2022 | $106,231 Land $22,042 Building $84,189 | $318,693 Land $66,126 Building $252,567 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
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