45 E Timberlake Trl, Oswego, IL 60543 Property Records

Kendall County property record for 45 E Timberlake Trl, Oswego, IL 60543

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,248 sqft · built 1975
Lot Size	2.4 acres (104,926 sqft)
Owner	2 Individual Names on Record
Last Sale	$358,500 (Oct 2020)
Tax Bill	$9,595 (2024)
Deeds & Mortgages	Dec 2025 Line of Credit Nov 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-05-153-002`

Property Details

APN / Parcel Number

Primary APN	`06-05-153-002`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,248 sqft Living Area
Gross Area	3,080 sqft
1st Floor Area	2,248 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Split Level
Construction Type	Frame
Roof Material	Asphalt
Lot Area	104,926 sqft
Lot Dimensions	456 ft deep x 197 ft wide
Garage Type	Attached
Garage Area	832 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	45 E TIMBERLAKE TRL
City	OSWEGO
State	IL
Zip	60543-9477
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 24 ARROWHEAD HILLS UNIT 2 SECS 5 & 6-36-8
Legal Range	08E
Legal Township	36N
Legal Section	05
Legal Subdivision	ARROWHEAD HILLS
Legal Lot Number	24
Jurisdiction	KENDALL IL
Township / Civil Division	NA-AU-SAY
Census Block Group	2
Census Block	2016
Census Tract	890702

Owner

Source: Kendall County records, as of October 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	45 E TIMBERLAKE TRL, OSWEGO, IL 60543-9477
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2025	Deed of Trust, Mortgage · Line of Credit US BANK NA
Nov 6, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA
Nov 6, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA
Aug 31, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 21, 2020	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2020 · Amount on Record
Deed Sale	Oct 21, 2020 · Amount on Record
Deed Document Number	202021063
Prior Transfer Date	Aug 3, 2000
Prior Transfer Doc	0000013207
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	45 E TIMBERLAKE TRL, OSWEGO, IL 60543-9477
Transaction Type	Mortgage
Record Updated	Jan 26, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 E TIMBERLAKE TRL, OSWEGO, IL 60543-9477

Mortgage

Document Number	0000017266
Date	Dec 31, 2025
Instrument	202500017266

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jan 2, 2056

Interest

Rate	8.2%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	45 E TIMBERLAKE TRL, OSWEGO, IL 60543-9477
Transaction Type	Mortgage
Record Updated	Mar 4, 2024
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 TIMBERLAKE TRL E, OAK LAWN, IL 60453

Mortgage

Document Number	0000012852
Date	Nov 6, 2023
Instrument	202300012852

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2053

Interest

Rate Type	Adjustable Rate
Rate	9.35%
Change Frequency	Monthly

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	45 E TIMBERLAKE TRL, OSWEGO, IL 60543-9477
Transaction Type	Mortgage
Record Updated	Feb 28, 2024
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 E TIMBERLAKE TRL, OSWEGO, IL 60543-9477

Mortgage

Document Number	0000012852
Date	Nov 6, 2023
Instrument	202300012852

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2053

Interest

Rate Type	Adjustable Rate
Rate	9.35%
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	45 E TIMBERLAKE TRL, OSWEGO, IL 60543-9477
Transaction Type	Mortgage
Record Updated	Sep 9, 2021
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 E TIMBERLAKE TRL, OSWEGO, IL 60543-9477

Mortgage

Document Number	0000023067
Date	Aug 31, 2021
Instrument	202100023067

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 12, 2051

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Oct 21, 2020
Property Address	45 E TIMBERLAKE TRL, OSWEGO, IL 60543-9477
Document Number	0000021063
Instrument Date	Aug 18, 2020
Instrument	21063
Transaction Type	Transfer
Record Updated	Oct 27, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2850 BRIAN LN MONTGOMERY IL 605385100, MONTGOMERY, IL 60538-5100

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		$155,005 (+13.34%) Land $23,274 Building $131,731	$465,015 (+13.34%) Land $69,822 Building $395,193
2024	$9,595.00	$136,762 (+14.55%) Land $23,044 Building $113,718	$410,286 (+14.55%) Land $69,132 Building $341,154
2022		$119,391 Land $21,947 Building $97,444	$358,173 Land $65,841 Building $292,332

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 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.02% 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	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40

Cell Coverage

5G (outdoors only) and 4G LTE

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