Kendall County property record for 414 Baker Ct, Oswego, IL 60543
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,289 sqft · built 2008 |
| Lot Size | 0.211 acres (9,203 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $465,000 (Aug 2024) |
| Tax Bill | $10,328 (2024) |
| Deeds & Mortgages | Apr 2026 Mortgage Sep 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-12-481-015 |
| Primary APN | 03-12-481-015 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,289 sqft Living Area |
| Gross Area | 4,126 sqft |
| 1st Floor Area | 2,289 sqft |
| Basement Area | 1,161 sqft |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Brick |
| Roof Material | Asphalt |
| Lot Area | 9,203 sqft (0.211 acres) |
| Garage Type | Attached |
| Garage Area | 676 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|
| Street Address | 414 BAKER CT |
|---|---|
| City | OSWEGO |
| State | IL |
| Zip | 60543-4057 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3 PRESCOTT MILL SUB VILLAGE OF OSWEGO |
| Legal Subdivision | PRESCOTT MILL SUB |
| Legal Lot Number | 3 |
| Jurisdiction | KENDALL IL |
| Township / Civil Division | OSWEGO |
| Census Block Group | 3 |
| Census Block | 3047 |
| Census Tract | 890105 |
414 Baker Ct is owned and occupied by two individuals who acquired it in March 2026.
Source: Kendall County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 414 BAKER CT, OSWEGO, IL 60543-4057 |
| 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 |
|---|---|
| Apr 3, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage US BANK |
| Sep 17, 2021 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Nov 18, 2021 | Re-recorded Document · Conventional Mortgage GUARANTEED RATE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 7, 2024 · Amount on File |
| Deed Sale | Aug 7, 2024 · Amount on File |
| Prior Sale | Sep 17, 2021 · Amount on File |
| Deed Document Number | 20249041 |
| Last Transfer Date | Mar 12, 2026 |
| Transfer Doc | 0000004608 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENDALL IL |
| Recording Date | Apr 3, 2026 |
| Property Address | 414 BAKER CT, OSWEGO, IL 60543-4057 |
| Document Number | 0000004608 |
| Instrument Date | Mar 12, 2026 |
| Instrument | 20264608 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Title Company | NATIONAL TITLE SOLUTIONS INC, NATIONAL TITLE SOLUTIONS |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 414 BAKER CT, OSWEGO, IL 60543-4057 |
| Document Number | 0000004609, |
|---|---|
| Date | Apr 3, 2026 |
| Instrument | 20264609 |
| Name | US BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.88% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENDALL IL |
| Recording Date | Sep 17, 2021 |
| Property Address | 414 BAKER CT, OSWEGO, IL 60543-4057 |
| Document Number | 0000024573 |
| Map Reference | DOC R200500032276 |
| Instrument Date | May 12, 2021 |
| Instrument | 202100024573 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2021 |
| Title Company | AFFINITY TITLE SERVICES, AFFINITY TITLE SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $350.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 414 BAKER CT, OSWEGO, IL 60543-4057 |
| Document Number | 0000024574 |
|---|---|
| Date | Sep 17, 2021 |
| Instrument | 202100024574 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Jun 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.12% |
| Document Type | Re-recorded Document |
|---|---|
| Jurisdiction | KENDALL IL |
| Recording Date | Nov 18, 2021 |
| Property Address | 414 BAKER CT, OSWEGO, IL 60543-4057 |
| Document Number | 0000030902 |
| Map Reference | DOC R20050032276 |
| Instrument Date | May 12, 2021 |
| Instrument | 202100030902 |
| Record Updated | Dec 20, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 414 BAKER CT, OSWEGO, IL 60543-4057 |
| Document Number | 0000030903 |
|---|---|
| Date | Nov 18, 2021 |
| Instrument | 202100030903 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 355 Months |
| Due | Jun 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.12% |
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 | $147,784 (+1%) Land $26,853 Building $120,931 | $443,352 (+1%) Land $80,559 Building $362,793 | |
| 2024 | $10,328.00 | $134,349 Land $24,412 Building $109,937 | $403,047 Land $73,236 Building $329,811 |
| 2022 | $107,136 Land $19,467 Building $87,669 | $321,408 Land $58,401 Building $263,007 |
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 414 Baker Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.
Source: FEMA National Flood Hazard Layer, effective September 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2026) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2026 · other causes |
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.
Wildfire risk around 414 Baker Ct 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 132 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 1,000 / 75 |
| Watch TV Fixed Wireless | 400 / 40 |
| T-Mobile Fixed Wireless | 100 / 20 |
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