409 Cotoneaster Ct, Oswego, IL 60543 Property Records

Kendall County property record for 409 Cotoneaster Ct, Oswego, IL 60543 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,604 sqft · built 2006
Lot Size	0.424 acres (18,456 sqft)
Owner	Individual Name on File
Last Sale	$401,000 (Aug 2021)
Tax Bill	$10,294 (2024)
Deeds & Mortgages	Mar 2026 Second Mortgage Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-21-376-020`

Property Details

APN / Parcel Number

Primary APN	`03-21-376-020`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,604 sqft Living Area
Gross Area	4,700 sqft
1st Floor Area	2,604 sqft
Basement Area	1,421 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2007
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	18,456 sqft (0.424 acres)
Garage Type	Attached
Garage Area	675 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Street Address	409 COTONEASTER CT
City	OSWEGO
State	IL
Zip	60543-2900
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 137 ASHCROFT PLACE VILLAGE OF OSWEGO
Legal Subdivision	ASHCROFT PLACE
Legal Lot Number	137
Jurisdiction	KENDALL IL
Township / Civil Division	OSWEGO
Census Block Group	2
Census Block	2052
Census Tract	890107

Owner

Source: Kendall County records · APN 03-21-376-020

Assessment roll updated May 27, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	409 COTONEASTER CT, OSWEGO, IL 60543-2900
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage EARTHMOVER CU
Aug 25, 2021	Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE
Feb 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage EARTHMOVER CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 25, 2021 · Amount on Record
Deed Sale	Aug 25, 2021 · Amount on Record
Prior Sale	Sep 07, 2006 · Amount on Record
Deed Document Number	202122512
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	409 COTONEASTER CT, OSWEGO, IL 60543-2900
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003988
Date	Mar 24, 2026
Instrument	202600003988

Lender

Name	EARTHMOVER CU
Type	Credit Union
Address	AURORA, IL 60507

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 06, 2036

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Aug 25, 2021
Property Address	409 COTONEASTER CT, OSWEGO, IL 60543-2900
Document Number	0000022512
Map Reference	DOC 200400019250
Instrument Date	Aug 18, 2021
Instrument	202100022512
Transaction Type	Transfer
Record Updated	Sep 02, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$401.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 COTONEASTER CT, OSWEGO, IL 60543-2900

Mortgage

Document Number	0000022513
Date	Aug 25, 2021
Instrument	202100022513

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

Interest

Rate Type	Fixed Rate
Rate	3.49%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	409 COTONEASTER CT, OSWEGO, IL 60543-2900
Document Number	0000004008
Instrument Date	Feb 27, 2020
Transaction Type	Mortgage
Record Updated	Apr 14, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	409 COTONEASTER CT OSWEGO IL 605432900, OSWEGO, IL 60543-2900

Mortgage

Document Number	0000004008
Date	Mar 16, 2020
Instrument	4008

Lender

Name	EARTHMOVER CU
Type	Credit Union
Address	AURORA, IL 60507

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Mar 15, 2027

Tax Assessment & Valuation

Source: Kendall County records · Assessment roll updated May 27, 2026 · Last verified June 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$136,602 (+2%) Land $32,711 Building $103,891	$409,806 (+2%) Land $98,133 Building $311,673
2024	$10,294.00	$133,924 (+22.1%) Land $32,070 Building $101,854	$401,772 (+22.1%) Land $96,210 Building $305,562
2022		$109,683 Land $26,265 Building $83,418	$329,049 Land $78,795 Building $250,254

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kendall County (17093C), updated September 18, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170938901072, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	4 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 280 locations within about half a mile of this property

Provider	Technology	Download / Upload (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 this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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