428 Shadow Ct, Oswego, IL 60543 Property Records

Kendall County property record for 428 Shadow Ct, Oswego, IL 60543

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,896 sqft · built 2022
Lot Size	0.038 acres (1,653 sqft)
Owner	Individual Name on Record
Last Sale	$327,500 (Feb 2022)
Tax Bill	$8,832 (2024)
Deeds & Mortgages	Apr 2024 Line of Credit Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-16-355-103`

Property Details

APN / Parcel Number

Primary APN	`03-16-355-103`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,896 sqft Living Area
Gross Area	2,844 sqft
1st Floor Area	1,896 sqft
Basement Area	480 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Material	Asphalt
Lot Area	1,653 sqft (0.038 acres)
Garage Type	Attached
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	428 SHADOW CT
City	OSWEGO
State	IL
Zip	60543-5230
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 34 (EXC WLY 96.50) SEASONS AT SOUTHBURY POD 6 VILLAGE OF OSWEGO
Legal Subdivision	SEASONS AT SOUTHBURY POD
Legal Lot Number	34
Jurisdiction	KENDALL IL
Township / Civil Division	OSWEGO
Census Block Group	2
Census Block	2017
Census Tract	890107

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	Individual Name on Record
Mailing Address	428 SHADOW CT, OSWEGO, IL 60543-5230
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2024	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Feb 1, 2022	Special Warranty Deed, Transfer · FHA Mortgage LENNAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2022 · Amount on Record
Deed Sale	Feb 1, 2022 · Amount on Record
Deed Document Number	20222225
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	428 SHADOW CT, OSWEGO, IL 60543-5230
Transaction Type	Mortgage
Record Updated	May 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 SHADOW CT, OSWEGO, IL 60543-5230

Mortgage

Document Number	0000004513
Date	Apr 26, 2024
Instrument	202400004513

Lender

Name	PNC BANK NA
Type	Bank
Address	222 DELAWARE AVE, WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Apr 24, 2064

Interest

Change Frequency	Monthly

February 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Feb 1, 2022
Property Address	428 SHADOW CT, OSWEGO, IL 60543-5230
Document Number	0000002225
Map Reference	DOC 200600022348
Instrument Date	Jan 25, 2022
Instrument	202200002225
Transaction Type	Transfer
Record Updated	Aug 4, 2023
Title Company	LENNAR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$327.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1700 E GOLF RD # RD1100, RD1100, SCHAUMBURG, IL 60173-5804

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 SHADOW CT, OSWEGO, IL 60543-5230

Mortgage

Document Number	0000002226
Date	Feb 1, 2022
Instrument	202200002226

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.25%

Tax Assessment & Valuation

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$120,385 (+114.04%) Land $31,246 Building $89,139	$361,155 (+114.04%) Land $93,738 Building $267,417
2024	$8,832.00
2022		$56,245 Land $14,598 Building $41,647	$168,735 Land $43,794 Building $124,941

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 · 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	4 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 148 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
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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