Kendall County property record for 414 Highland Ct, Oswego, IL 60543
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,483 sqft · built 1995 |
| Lot Size | 0.29 acres (12,609 sqft) |
| Owner | Individual Name on File |
| Last Sale | $410,000 (Sep 2023) |
| Tax Bill | $10,278 (2024) |
| Deeds & Mortgages | Dec 2025 Mortgage Sep 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-20-144-026 |
| Primary APN | 03-20-144-026 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,483 sqft Living Area |
| Gross Area | 4,176 sqft |
| 1st Floor Area | 2,483 sqft |
| Basement Area | 1,252 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Brick |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 12,609 sqft (0.29 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|
| Street Address | 414 HIGHLAND CT |
|---|---|
| City | OSWEGO |
| State | IL |
| Zip | 60543-8209 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 60 LAKEVIEW ESTATES WEST SUB., UNIT 1 VILLAGE OF OSWEGO |
| Legal Subdivision | LAKEVIEW ESTATES WEST SUB |
| Legal Lot Number | 60 |
| Jurisdiction | KENDALL IL |
| Township / Civil Division | OSWEGO |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 890106 |
414 Highland Ct is owned and occupied by an individual who bought it in September 2023.
Source: Kendall County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 414 HIGHLAND CT, OSWEGO, IL 60543-8209 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
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 |
|---|---|
| Dec 18, 2025 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| Sep 21, 2023 | Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| Jan 10, 2023 | Deed of Trust, Mortgage · Conventional Mortgage THINK MUTUAL BANK |
| Oct 11, 2022 | Deed of Trust, Mortgage · Conventional Mortgage THINK MUTUAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 21, 2023 · Amount on File |
| Deed Sale | Sep 21, 2023 · Amount on File |
| Prior Sale | Jun 1, 1995 · Amount on File |
| Deed Document Number | 202310870 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 414 HIGHLAND CT, OSWEGO, IL 60543-8209 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2025 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 414 HIGHLAND CT, OSWEGO, IL 60543-8209 |
| Document Number | 0000016740 |
|---|---|
| Date | Dec 18, 2025 |
| Instrument | 202500016740 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.62% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENDALL IL |
| Recording Date | Sep 21, 2023 |
| Property Address | 414 HIGHLAND CT, OSWEGO, IL 60543-8209 |
| Document Number | 0000010870 |
| Map Reference | DOC 9411457 |
| Instrument Date | Sep 6, 2023 |
| Instrument | 202300010870 |
| Transaction Type | Transfer |
| Record Updated | Oct 25, 2023 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $410.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 414 HIGHLAND CT, OSWEGO, IL 60543-8209 |
| Name | Verified Name |
|---|---|
| Address | 414 HIGHLAND CT, OSWEGO, IL 60543-8209 |
| Document Number | 0000010871 |
|---|---|
| Date | Sep 21, 2023 |
| Instrument | 202300010871 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 414 HIGHLAND CT, OSWEGO, IL 60543-8209 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2023 |
| Title Company | CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000000354 |
|---|---|
| Date | Jan 10, 2023 |
| Instrument | 202300000354 |
| Name | THINK MUTUAL BANK |
|---|---|
| Type | Bank |
| Address | ROCHESTER, MN 55903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 356 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | Sep 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.75% |
| Index | 1-Year T-Bill |
| Max Rate | 8.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 414 HIGHLAND CT, OSWEGO, IL 60543-8209 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2022 |
| Title Company | CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000016538 |
|---|---|
| Date | Oct 11, 2022 |
| Instrument | 202200016538 |
| Name | THINK MUTUAL BANK |
|---|---|
| Type | Bank |
| Address | ROCHESTER, MN 55903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | Sep 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.75% |
| Index | 1-Year CMT |
| Max Rate | 8.25% |
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 | $141,744 Land $29,042 Building $112,702 | $425,232 Land $87,126 Building $338,106 | |
| 2024 | $10,278.00 | ||
| 2022 | $107,579 Land $22,042 Building $85,537 | $322,737 Land $66,126 Building $256,611 |
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 Highland Ct 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 414 Highland 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 99.1% of the US · lower than 94% 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 387 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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