Kendall County property record for 45 Clark Ave, Oswego, IL 60543
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,352 sqft · built 1963 |
| Lot Size | 0.689 acres (30,026 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,247 (2024) |
| Deeds & Mortgages | Aug 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-13-429-001 |
| Primary APN | 02-13-429-001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,352 sqft Living Area |
| Gross Area | 1,880 sqft |
| 1st Floor Area | 1,352 sqft |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 30,026 sqft (0.689 acres) |
| Lot Dimensions | 140 ft deep x 220 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|
| Street Address | 45 CLARK AVE |
|---|---|
| City | OSWEGO |
| State | IL |
| Zip | 60543-9423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 10 CLARKS SUB. SEC. 13-37-7 |
| Legal Range | 07E |
| Legal Township | 37N |
| Legal Section | 13 |
| Legal Subdivision | CLARKS SUB |
| Legal Lot Number | 10 |
| Jurisdiction | KENDALL IL |
| Township / Civil Division | BRISTOL |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 890403 |
45 Clark Ave is owned by two individuals who acquired it in October 2015.
Source: Kendall County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 743, OSWEGO, IL 60543-0743 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Oct 7, 2015 |
| Transfer Doc | 0000016784 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Recording Date | Aug 24, 2026 |
| Property Address | 45 CLARK AVE, OSWEGO, IL 60543-9423 |
| Document Number | 0000012331 |
| Instrument Date | Aug 3, 2026 |
| Instrument | 202612331 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 45 CLARK AVE, OSWEGO, IL 60543-9423 |
| Document Number | 0000012331, |
|---|---|
| Date | Aug 24, 2026 |
| Instrument | 202612331 |
| Name | FIFTH THIRD BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 25, 2056 |
| Max Rate | -1% |
|---|
Source: Kendall County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kendall County |
| County Subdivision | Bristol Township |
| Unified School District | Oswego Community Unit School District 308 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $88,711 Land $16,658 Building $72,053 | $266,133 Land $49,974 Building $216,159 | |
| 2024 | $5,247.00 | ||
| 2022 | $65,824 Land $12,360 Building $53,464 | $197,472 Land $37,080 Building $160,392 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Clark Ave in Zone X, an area of minimal flood risk.
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 | 2 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 risk around 45 Clark Ave 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 97% of the US · lower than 79% 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.
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 210 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 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile.
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