Kendall County property record for 409 Raintree Dr, Oswego, IL 60543
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,460 sqft · built 2000 |
| Lot Size | 0.224 acres (9,761 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $480,000 (Sep 2024) |
| Tax Bill | $10,836 (2024) |
| Deeds & Mortgages | Feb 2022 Mortgage Oct 2025 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-11-203-005 |
| Primary APN | 03-11-203-005 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,460 sqft Living Area |
| Gross Area | 3,051 sqft |
| 1st Floor Area | 2,460 sqft |
| Basement Area | 1,050 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Brick |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 9,761 sqft (0.224 acres) |
| Lot Dimensions | 130 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 591 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 409 RAINTREE DR |
|---|---|
| City | OSWEGO |
| State | IL |
| Zip | 60543-7931 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 23 OGDEN FALLS UNIT 2 PHASE 1 VILLAGE OF OSWEGO. |
| Legal Subdivision | OGDEN FALLS UNIT 2 PHASE 1 |
| Legal Lot Number | 23 |
| Jurisdiction | KENDALL IL |
| Township / Civil Division | OSWEGO |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 890105 |
409 Raintree Dr is owned and occupied by two individuals who bought it in September 2024.
Source: Kendall County records, as of May 27, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 409 RAINTREE DR, OSWEGO, IL 60543-7931 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Feb 24, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FEDERATED MORTGAGE CORPORATION |
| Oct 15, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 7, 2023 | Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC |
| Aug 28, 2019 | Warranty Deed, Transfer · FHA Mortgage COMPASS MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 4, 2024 · Amount on File |
| Deed Sale | Sep 4, 2024 · Amount on File |
| Prior Sale | Apr 7, 2023 · Amount on File |
| Deed Document Number | 202410326 |
| Prior Transfer Date | Jun 5, 2012 |
| Prior Transfer Doc | 0000012209 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 409 RAINTREE DR, OSWEGO, IL 60543-7931 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000003674 |
|---|---|
| Date | Feb 24, 2022 |
| Instrument | 202200003674 |
| Name | FEDERATED MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PITTSBURGH, PA 15211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 409 RAINTREE DR, OSWEGO, IL 60543-7931 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 409 RAINTREE DR, OSWEGO, IL 60543-7931 |
| Document Number | 0000013514 |
|---|---|
| Date | Oct 15, 2025 |
| Instrument | 202500013514 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2055 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.08% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENDALL IL |
| Recording Date | Apr 7, 2023 |
| Property Address | 409 RAINTREE DR, OSWEGO, IL 60543-7931 |
| Document Number | 0000003765 |
| Map Reference | DOC 9903303 |
| Instrument Date | Mar 26, 2023 |
| Instrument | 202300003765 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2023 |
| Title Company | CARRINGTON TITLE PARTNERS LLC, CARRINGTON TTL PARTNERS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $408.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 409 RAINTREE DR, OSWEGO, IL 60543-7931 |
| Document Number | 0000003766 |
|---|---|
| Date | Apr 7, 2023 |
| Instrument | 202300003766 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENDALL IL |
| Recording Date | Aug 28, 2019 |
| Property Address | 409 RAINTREE DR, OSWEGO, IL 60543-7931 |
| Document Number | 0000012214 |
| Map Reference | DOC 9903303 |
| Instrument Date | Aug 22, 2019 |
| Instrument | 201900012214 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $309.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 409 RAINTREE DR, OSWEGO, IL 60543-7931 |
| Document Number | 0000012215 |
|---|---|
| Date | Aug 28, 2019 |
| Instrument | 201900012215 |
| Name | COMPASS MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
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 | $150,819 Land $31,468 Building $119,351 | $452,457 Land $94,404 Building $358,053 | |
| 2024 | $10,836.00 | ||
| 2022 | $113,378 Land $23,656 Building $89,722 | $340,134 Land $70,968 Building $269,166 |
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 409 Raintree Dr 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 409 Raintree Dr 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 98% of the US · lower than 86% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 163 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Xfinity Cable | 2,000 / 250 |
| AT&T Fiber · DSL in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 1,000 / 75 |
| Watch TV Fixed Wireless | 400 / 40 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures