4177 Cherry Rd, Oswego, IL 60543 Property Records

Kendall County property record for 4177 Cherry Rd, Oswego, IL 60543

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,292 sqft · built 2022
Lot Size	0.714 acres (31,111 sqft)
Owner	2 Individual Names on File
Last Sale	$678,000 (Aug 2026)
Tax Bill	$6,499 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Mar 2022 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-05-401-009`

Property Details

APN / Parcel Number

Primary APN	`06-05-401-009`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,292 sqft Living Area
Gross Area	6,489 sqft
1st Floor Area	3,292 sqft
Basement Area	2,296 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Bi-Level
Exterior Material	Stone
Roof Material	Asphalt
Lot Area	31,111 sqft (0.714 acres)
Lot Dimensions	198 ft deep x 156 ft wide
Garage Type	Attached
Garage Area	1,801 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	4177 CHERRY RD
City	OSWEGO
State	IL
Zip	60543-6814
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 4 HENNEBERRY WOODS UNIT 1
Legal Subdivision	HENNEBERRY WOODS
Legal Lot Number	4
Jurisdiction	KENDALL IL
Township / Civil Division	NA-AU-SAY
Census Block Group	2
Census Block	2016
Census Tract	890702

Owner

4177 Cherry Rd is owned and occupied by two individuals who bought it in August 2026.

Source: Kendall County records, as of September 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4177 CHERRY RD, OSWEGO, IL 60543-6814
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2026	Warranty Deed, Transfer · Conventional Mortgage ANDERSON FINANCIAL
Mar 7, 2022	Deed of Trust, Mortgage · Construction Mortgage OLD SECOND NATIONAL BANK
Aug 17, 2022	Warranty Deed, Subdivision Related Transfer · VA Mortgage NATIONS RELIABLE LENDING LLC
Jul 12, 2021	Warranty Deed, Transfer WHEATLAND TITLE, WHEATLAND TITLE GUARANTY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2026 · Amount on File
Deed Sale	Aug 24, 2026 · Amount on File
Prior Sale	Aug 17, 2022 · Amount on File
Deed Document Number	202612382
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Aug 24, 2026
Property Address	4177 CHERRY RD, OSWEGO, IL 60543-6814
Document Number	0000012382
Instrument Date	Jul 29, 2026
Instrument	202612382
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	PROPER TITLE LLC, PROPER TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$102,717.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4177 CHERRY RD, OSWEGO, IL 60543-6814

Mortgage

Document Number	0000012383,
Date	Aug 24, 2026
Instrument	202612383

Lender

Name	ANDERSON FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	4177 CHERRY RD, OSWEGO, IL 60543-6814
Transaction Type	Mortgage
Record Updated	Jun 27, 2023
Title Company	HEARTLAND TITLE COMPANY, WHEATLAND TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004384
Date	Mar 7, 2022
Instrument	202200004384

Lender

Name	OLD SECOND NATIONAL BANK
Type	Bank
Address	LOMBARD, IL 60148

Agreement

Type	Construction Mortgage
Amount	Amount on Record

August 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Aug 17, 2022
Property Address	4177 CHERRY RD, OSWEGO, IL 60543-6814
Document Number	0000013759
Map Reference	DOC 200500026500
Instrument Date	Jul 28, 2022
Instrument	202200013759
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 27, 2023
Title Company	WHEATLAND TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$597.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4177 CHERRY RD, OSWEGO, IL 60543-6814

Mortgage

Document Number	0000013760
Date	Aug 17, 2022
Instrument	202200013760

Lender

Name	NATIONS RELIABLE LENDING LLC
Type	Mortgage Company
Address	HOUSTON, TX 77057

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Fixed Rate
Rate	4.62%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Jul 12, 2021
Property Address	4177 CHERRY RD, OSWEGO, IL 60543-6814
Document Number	0000017518
Map Reference	DOC 200500026500
Instrument Date	Jul 6, 2021
Instrument	202100017518
Transaction Type	Transfer
Record Updated	Jun 27, 2023
Title Company	WHEATLAND TITLE, WHEATLAND TITLE GUARANTY

Transaction

Amount	Amount on Record
Tax	$40.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 345, BRISTOL, IL 60512-0345

Tax Assessment & Valuation

The 2025 property tax bill for 4177 Cherry Rd was $6,499.

Source: Kendall County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kendall County
County Subdivision	Na-Au-Say Township
Unified School District	Oswego Community Unit School District 308 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,499.00	$226,954 Land $17,135 Building $209,819	$680,862 Land $51,405 Building $629,457
2022		$75,772 Land $13,333 Building $62,439	$227,316 Land $39,999 Building $187,317

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 4177 Cherry Rd 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

Wildfire risk around 4177 Cherry Rd 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 94% of the US · lower than 65% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber · Fixed Wireless in parts of the area	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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