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435 Main St, Oswego, IL 60543 Property Records

Kendall County property record for 435 Main St, Oswego, IL 60543

Property Summary

Property TypeSingle Family Home
Details1 ba · 2,854 sqft · built 1963
Lot Size1.71 acres (74,923 sqft)
OwnerCompany Name on File
Last Sale$190,000 (Sep 1996)
Tax Bill$11,610 (2024)
Deeds & MortgagesMay 2021 Mortgage
Feb 2021 Transfer
Flood ZoneZone X (minimal risk)
APN03-18-483-001

Property Details

APN / Parcel Number

Primary APN03-18-483-001

Interior

Full Baths1 Bath
Stories1 Story
Building Area2,854 sqft Living Area
Gross Area3,529 sqft
1st Floor Area2,854 sqft
Basement Area1,688 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1963
Effective Year BuiltEffective 1963
Architectural StyleMulti-Level
Construction TypeFrame
Roof MaterialAsphalt
Lot Area74,923 sqft
Garage TypeAttached
Garage Area675 sqft
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address435 MAIN ST
CityOSWEGO
StateIL
Zip60543-9048
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSEC 18-37-8 VILLAGE OF OSWEGO
Legal Range08E
Legal Township37N
Legal Section18
Legal SubdivisionVILLAGE OF OSWEGO
JurisdictionKENDALL IL
Township / Civil DivisionOSWEGO
Census Block Group2
Census Block2013
Census Tract890106

Owner

435 Main St is owned by a company that acquired it in January 2021.

Source: Kendall County records, as of August 11, 2026

Owner of RecordCompany Name on File
Mailing Address435 MAIN ST, OSWEGO, IL 60543-9048
Owner TypeCompany
VestingBorrower in Default

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

DateDocument
May 19, 2021Deed of Trust, Mortgage · Conventional Mortgage
EARTHMOVER CU
Feb 26, 2021Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 12, 1996 · Amount on File
Deed SaleSep 12, 1996 · Amount on File
Prior SaleJul 1, 1996 · Amount on File
Deed Document Number19969440
Last Transfer DateJan 30, 2021
Transfer Doc0000005125
Record UpdatedSep 20, 2026

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENDALL IL
Property Address435 MAIN ST, OSWEGO, IL 60543-9048
Transaction TypeMortgage
Record UpdatedJun 1, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000012775
DateMay 19, 2021
Instrument202100012775
Lender
NameEARTHMOVER CU
TypeCredit Union
AddressOSWEGO, IL 60543
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term181 Months
DueJun 1, 2036
Interest
Rate TypeFixed Rate
Rate2.5%

February 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionKENDALL IL
Recording DateFeb 26, 2021
Property Address435 MAIN ST, OSWEGO, IL 60543-9048
Document Number0000005125
Instrument DateJan 30, 2021
Instrument202100005125
Transaction TypeTransfer
Record UpdatedMay 11, 2021
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address435 MAIN ST, OSWEGO, IL 60543-9048

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyKendall County
County SubdivisionOswego Township
MunicipalityOswego Village
Unified School DistrictOswego Community Unit School District 308 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$178,565 Land $30,669 Building $147,896$535,695 Land $92,007 Building $443,688
2024$11,610.00
2022$123,822 Land $21,267 Building $102,555$371,466 Land $63,801 Building $307,665

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 435 Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 18, 2025

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 435 Main St 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 RiskLow
lower than 97% of the US · lower than 79% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemOSWEGO
serves 38,169 people · EPA ID IL0930150
Water SourceGroundwater
Last State InspectionOct 2025
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityRadium
resolved · Jan 2017
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 252 locations within half a mile, as of December 31, 2025

ProviderMax 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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