407 Main St, Oswego, IL 60543 Property Records

Kendall County property record for 407 Main St, Oswego, IL 60543

Property Summary

Property Type	Single Family Home
Details	9 bd · 6.5 ba · 5,138 sqft · built 1900
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Oct 2021)
Tax Bill	$4,191 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-18-483-004`

Property Details

APN / Parcel Number

Primary APN	`03-18-483-004`

Interior

Bedrooms	9 Beds
Full Baths	6.5 Baths
Half Baths	3 Half Baths
Total Rooms	22 Rooms
Stories	2 Stories
Building Area	5,138 sqft Living Area
Gross Area	8,353 sqft
1st Floor Area	5,138 sqft
Basement Area	2,505 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Bi-Level
Construction Type	Frame
Roof Material	Asphalt
Lot Area	87,120 sqft
Garage Type	Attached
Garage Area	710 sqft
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Location & Zoning

Street Address	407 MAIN ST
City	OSWEGO
State	IL
Zip	60543-9048
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 18-37-8 VILLAGE OF OSWEGO
Legal Range	08E
Legal Township	37N
Legal Section	18
Legal Subdivision	VILLAGE OF OSWEGO
Jurisdiction	KENDALL IL
Township / Civil Division	OSWEGO
Census Block Group	2
Census Block	2013
Census Tract	890106

Owner

407 Main St is owned and occupied by two individuals who bought it in October 2021.

Source: Kendall County records, as of July 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	407 MAIN ST, OSWEGO, IL 60543-9048
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2021 · Amount on File
Deed Sale	Oct 25, 2021 · Amount on File
Prior Sale	Jun 1, 1996 · Amount on File
Deed Document Number	202127680
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Oct 25, 2021
Property Address	407 MAIN ST, OSWEGO, IL 60543-9048
Document Number	0000027680
Instrument Date	Mar 31, 2021
Instrument	202100027680
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	407 MAIN ST, OSWEGO, IL 60543-9048

Mortgage

Document Number	0000027681
Date	Oct 25, 2021
Instrument	202100027681

Lender

Name	COMPASS MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	355 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3%

Tax Assessment & Valuation

The 2025 property tax bill for 407 Main St was $4,191, down 4% from the year before.

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	$4,191.00 (-3.96%)	$61,454 Land $60,304 Building $1,150	$184,362 Land $180,912 Building $3,450
2024	$4,364.00
2022		$146,200 Land $41,816 Building $104,384	$438,600 Land $125,448 Building $313,152

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 407 Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 18, 2025

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 407 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.

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 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