4256 Cherry Rd, Oswego, IL 60543 Property Records

Kendall County property record for 4256 Cherry Rd, Oswego, IL 60543

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,341 sqft · built 2016
Lot Size	0.899 acres (39,179 sqft)
Owner	2 Individual Names on Record
Last Sale	$715,000 (Mar 2018)
Tax Bill	$18,134 (2024)
Deeds & Mortgages	Aug 2019 Line of Credit Aug 2019 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`06-05-402-024`

Property Details

APN / Parcel Number

Primary APN	`06-05-402-024`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,341 sqft Living Area
Gross Area	8,176 sqft
1st Floor Area	4,341 sqft
Basement Area	2,909 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Bi-Level
Exterior Material	Stone
Construction Type	Frame
Roof Material	Asphalt
Lot Area	39,179 sqft (0.899 acres)
Garage Type	Attached
Garage Area	926 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	4256 CHERRY RD
City	OSWEGO
State	IL
Zip	60543-6800
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 12 HENNEBERRY WOODS UNIT 1
Legal Subdivision	HENNEBERRY WOODS
Legal Lot Number	12
Jurisdiction	KENDALL IL
Township / Civil Division	NA-AU-SAY
Census Block Group	2
Census Block	2041
Census Tract	890702

Owner

Source: Kendall County records, as of May 27, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	4256 CHERRY RD, OSWEGO, IL 60543-6800
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2019	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Aug 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage COMPASS MORTGAGE INC
Jul 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMPASS MORTGAGE INC
Jun 19, 2020	Deed of Trust, Mortgage · Conventional with PMI COMPASS MTG
Mar 21, 2018	Warranty Deed, Subdivision Related Transfer · ARM COMPASS MORTGAGE INC
Jan 30, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2018 · Amount on Record
Deed Sale	Mar 21, 2018 · Amount on Record
Prior Sale	Sep 10, 2010 · Amount on Record
Deed Document Number	20183758
Prior Transfer Date	Dec 9, 2011
Prior Transfer Doc	0000020864
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	4256 CHERRY RD, OSWEGO, IL 60543-6800
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	CARRINGTON TTL PARTNERS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012093
Date	Aug 26, 2019
Instrument	201900012093

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 23, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	4256 CHERRY RD, OSWEGO, IL 60543-6800
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CARRINGTON TTL PARTNERS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012092
Date	Aug 26, 2019
Instrument	201900012092

Lender

Name	COMPASS MORTGAGE INC
Type	Mortgage Company
Address	WARRENVILLE, IL 60555

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	4256 CHERRY RD, OSWEGO, IL 60543-6800
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CARRINGTON TTL PARTNERS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012029
Date	Jul 7, 2020
Instrument	202000012029

Lender

Name	COMPASS MORTGAGE INC
Type	Mortgage Company
Address	WARRENVILLE, IL 60555

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.37%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	4256 CHERRY RD, OSWEGO, IL 60543-6800
Document Number	0000013018
Instrument Date	Jun 19, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	CARRINGTON TITLE PARTNERS LLC, CARRINGTON TITLE PTRS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4256 CHERRY RD OSWEGO IL 605436800, OSWEGO, IL 60543-6800

Mortgage

Document Number	0000013018
Date	Jul 20, 2020
Instrument	13018

Lender

Name	COMPASS MTG
Type	Mortgage Company
Address	WARRENVILLE, IL 60555

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2050

Interest

Rate Type	Fixed Rate
Rate	3.37%

March 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Mar 21, 2018
Property Address	4256 CHERRY RD, OSWEGO, IL 60543-6800
Document Number	0000003758
Map Reference	DOC200500026500
Instrument Date	Mar 19, 2018
Instrument	201800003758
Transaction Type	Subdivision Related Transfer
Record Updated	May 11, 2021
Title Company	WHEATLAND TITLE GUARANTY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$715.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4256 CHERRY RD, OSWEGO, IL 60543-6800

Mortgage

Document Number	0000003759
Date	Mar 21, 2018
Instrument	201800003759

Lender

Name	COMPASS MORTGAGE INC
Type	Mortgage Company
Address	WARRENVILLE, IL 60555

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Apr 1, 2025
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	10.3%
Index	1-Year LIBOR
Margin	3
Max Rate	10.3%

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENDALL IL
Recording Date	Jan 30, 2018
Property Address	4256 CHERRY RD, OSWEGO, IL 60543-6800
Document Number	0000001509
Instrument Date	Jan 30, 2018
Instrument	1509
Transaction Type	Transfer
Record Updated	Feb 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	217 STONEMILL LN OSWEGO IL 605438968, OSWEGO, IL 60543-8968

Tax Assessment & Valuation

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		$248,747 (+16.79%) Land $16,878 Building $231,869	$746,241 (+16.79%) Land $50,634 Building $695,607
2024	$18,134.00
2022		$212,992 Land $16,547 Building $196,445	$638,976 Land $49,641 Building $589,335

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.

Flood

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

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	Direct burnable vegetation

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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