Kendall County property record for 406 Main St, Oswego, IL 60543
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,570 sqft · built 1910 |
| Lot Size | 0.193 acres (8,423 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,168 (2024) |
| Deeds & Mortgages | Oct 2021 Mortgage May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-19-228-015 |
| Primary APN | 03-19-228-015 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,570 sqft Living Area |
| Gross Area | 2,054 sqft |
| 1st Floor Area | 1,570 sqft |
| Basement Area | 720 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Bi-Level |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 8,423 sqft (0.193 acres) |
| Lot Dimensions | 140 ft deep x 82 ft wide |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 406 MAIN ST |
|---|---|
| City | OSWEGO |
| State | IL |
| Zip | 60543-9047 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT LT 1 HAWLEYS ADD; BEG NE COR, SE 140.75 TO C/L VAC ALLEY, SW39.43, NW 132.25, NE82 TO POB VILLAGE OF OSWEGO |
| Legal Subdivision | HAWLEYS ADD |
| Legal Lot Number | 1 |
| Jurisdiction | KENDALL IL |
| Township / Civil Division | OSWEGO |
| Census Block Group | 2 |
| Census Block | 2042 |
| Census Tract | 890106 |
406 Main St is owned and occupied by two individuals who acquired it in October 2021.
Source: Kendall County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 406 MAIN ST, OSWEGO, IL 60543-9047 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Oct 8, 2021 | Intrafamily Transfer, Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| May 5, 2017 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 8, 2021 |
| Deed Sale | Oct 8, 2021 |
| Prior Sale | Feb 8, 2016 · Amount on File |
| Deed Document Number | 202126363 |
| Prior Transfer Date | Jul 29, 2021 |
| Prior Transfer Doc | 0000026363 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KENDALL IL |
| Recording Date | Oct 8, 2021 |
| Property Address | 406 MAIN ST, OSWEGO, IL 60543-9047 |
| Document Number | 0000026363 |
| Instrument Date | Jul 29, 2021 |
| Instrument | 202100026363 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2021 |
| Title Company | SERVICELINK |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 406 MAIN ST, OSWEGO, IL 60543-9047 |
| Document Number | 0000026364 |
|---|---|
| Date | Oct 8, 2021 |
| Instrument | 202100026364 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 406 MAIN ST, OSWEGO, IL 60543-9047 |
| Document Number | 0000007507 |
| Instrument Date | May 5, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2017 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 406 MAIN ST OSWEGO IL 605439047, OSWEGO, IL 60543-9047 |
| Document Number | 0000007507 |
|---|---|
| Date | May 18, 2017 |
| Instrument | 7507 |
| Name | PENNYMAC |
|---|---|
| Address | HIDDEN VALLEY, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 17, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
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 | $80,761 Land $23,026 Building $57,735 | $242,283 Land $69,078 Building $173,205 | |
| 2024 | $5,168.00 | ||
| 2022 | $56,002 Land $15,967 Building $40,035 | $168,006 Land $47,901 Building $120,105 |
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 406 Main St 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 risk around 406 Main St 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 252 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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