Kendall County property record for 45 E Lyncliff Dr, Oswego, IL 60543
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,120 sqft · built 1978 |
| Lot Size | 1.49 acres (65,123 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $435,000 (Jan 2017) |
| Tax Bill | $12,542 (2024) |
| Deeds & Mortgages | May 2021 Mortgage Jan 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-23-228-004 |
| Primary APN | 02-23-228-004 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,120 sqft Living Area |
| Gross Area | 3,964 sqft |
| 1st Floor Area | 2,120 sqft |
| Basement Area | 1,220 sqft |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Bi-Level |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 65,123 sqft |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|
| Street Address | 45 E LYNCLIFF DR |
|---|---|
| City | OSWEGO |
| State | IL |
| Zip | 60543-9145 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 15 LYNWOOD EXT 1 SEC 23 & 14-37-7 |
| Legal Range | 07E |
| Legal Township | 37N |
| Legal Section | 23 |
| Legal Subdivision | LYNWOOD EXT 1 |
| Legal Lot Number | 15 |
| Jurisdiction | KENDALL IL |
| Township / Civil Division | BRISTOL |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 890402 |
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 | 45 E LYNCLIFF DR, OSWEGO, IL 60543-9145 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| May 7, 2021 | Deed of Trust, Mortgage · VA Mortgage FLAGSTAR BANK FSB |
| Jan 31, 2017 | Warranty Deed, Transfer FIRST AMERICAN TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 31, 2017 · Amount on Record |
| Deed Sale | Jan 31, 2017 · Amount on Record |
| Prior Sale | Sep 1, 1987 · Amount on Record |
| Deed Document Number | 20171864 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 45 E LYNCLIFF DR, OSWEGO, IL 60543-9145 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2021 |
| Title Company | CARRINGTON TITLE PARTNERS LLC, CARRINGTON TTL PARTNERS LLC |
| Name | Verified Name |
|---|
| Document Number | 0000011717 |
|---|---|
| Date | May 7, 2021 |
| Instrument | 202100011717 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENDALL IL |
| Recording Date | Jan 31, 2017 |
| Property Address | 45 E LYNCLIFF DR, OSWEGO, IL 60543-9145 |
| Document Number | 0000001864 |
| Instrument Date | Nov 9, 2016 |
| Instrument | 1864 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 45 E LYNCLIFF DR OSWEGO IL 605439145, OSWEGO, IL 60543-9145 |
Source: Kendall County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kendall County |
| County Subdivision | Bristol Township |
| Unified School District | Yorkville Community Unit School District 115 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $186,291 (+34.77%) Land $23,597 Building $162,694 | $558,873 (+34.77%) Land $70,791 Building $488,082 | |
| 2024 | $12,542.00 | ||
| 2022 | $138,233 Land $17,510 Building $120,723 | $414,699 Land $52,530 Building $362,169 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 1 (2013) |
| Most Recent Claim | Apr 2013 · Severe Storms, Straight-line Winds, And Flooding |
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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · DSL in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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