Kendall County property record for 453 Main St, Oswego, IL 60543
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,083 sqft · built 1901 |
| Lot Size | 0.87 acres (37,897 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $519,000 (Sep 2026) |
| Tax Bill | $8,330 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Sep 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-19-226-004 |
| Primary APN | 03-19-226-004 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,083 sqft Living Area |
| Gross Area | 3,610 sqft |
| 1st Floor Area | 2,083 sqft |
| Basement Area | 1,131 sqft |
| Year Built | Built 1901 |
|---|---|
| Effective Year Built | Effective 1902 |
| Architectural Style | Multi-Level |
| Construction Type | Frame |
| Lot Area | 37,897 sqft (0.87 acres) |
| Garage Type | Attached |
| Garage Area | 396 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Gas |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 453 MAIN ST |
|---|---|
| City | OSWEGO |
| State | IL |
| Zip | 60543-9048 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEC 19-37-8 VILLAGE OF OSWEGO |
| Legal Range | 08E |
| Legal Township | 37N |
| Legal Section | 19 |
| Legal Subdivision | VILLAGE OF OSWEGO |
| Jurisdiction | KENDALL IL |
| Township / Civil Division | OSWEGO |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 890106 |
Source: Kendall County records, as of September 22, 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 | 338 EMILY CT, YORKVILLE, IL 60560-9129 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Sep 10, 2026 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE |
| Sep 14, 2022 | Deed of Trust, Mortgage · Line of Credit EARTHMOVER CU |
| Nov 18, 2021 | Warranty Deed, Transfer · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP |
| Mar 3, 2020 | Deed of Trust, Mortgage QUICKEN LNS |
| Jul 18, 2018 | Warranty Deed, Transfer · Conventional with PMI NEWCASTLE HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 10, 2026 · Amount on Record |
| Deed Sale | Sep 10, 2026 · Amount on Record |
| Prior Sale | Oct 23, 2024 |
| Deed Document Number | 202613304 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENDALL IL |
| Recording Date | Sep 10, 2026 |
| Property Address | 453 MAIN ST, OSWEGO, IL 60543-9048 |
| Document Number | 0000013304 |
| Instrument Date | Aug 18, 2026 |
| Instrument | 202613304 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $157,257.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 338 EMILY CT, YORKVILLE, IL 60560-9129 |
| Document Number | 0000013305, |
|---|---|
| Date | Sep 10, 2026 |
| Instrument | 202613305 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.58% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 453 MAIN ST, OSWEGO, IL 60543-9048 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000015142 |
|---|---|
| Date | Sep 14, 2022 |
| Instrument | 202200015142 |
| Name | EARTHMOVER CU |
|---|---|
| Type | Credit Union |
| Address | AURORA, IL 60507 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 13, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENDALL IL |
| Recording Date | Nov 18, 2021 |
| Property Address | 453 MAIN ST, OSWEGO, IL 60543-9048 |
| Document Number | 0000030858 |
| Instrument Date | Oct 12, 2021 |
| Instrument | 202100030858 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $420.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 453 MAIN ST, OSWEGO, IL 60543-9048 |
| Document Number | 0000030859 |
|---|---|
| Date | Nov 18, 2021 |
| Instrument | 202100030859 |
| Name | FIRST CENTENNIAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | AURORA, IL 60506 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 453 MAIN ST, OSWEGO, IL 60543-9048 |
| Document Number | 0000004161 |
| Instrument Date | Mar 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 453 MAIN ST OSWEGO IL 605439048, OSWEGO, IL 60543-9048 |
| Document Number | 0000004161 |
|---|---|
| Date | Mar 17, 2020 |
| Instrument | 4161 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Mar 16, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENDALL IL |
| Recording Date | Jul 18, 2018 |
| Property Address | 453 MAIN ST, OSWEGO, IL 60543-9048 |
| Document Number | 0000010063 |
| Instrument Date | Jul 13, 2018 |
| Instrument | 10063 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2019 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $255.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 453 MAIN ST OSWEGO IL 605439048, OSWEGO, IL 60543-9048 |
| Document Number | 10064 |
|---|---|
| Date | Jul 18, 2018 |
| Instrument | 10064 |
| Name | NEWCASTLE HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | CHICAGO, IL 60622 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 17, 2048 |
| Rate Type | Fixed Rate |
|---|
Source: Kendall County assessment roll, as of May 27, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,330.00 (+15.23%) | $110,212 (+44.21%) Land $27,636 Building $82,576 | $330,636 (+44.21%) Land $82,908 Building $247,728 |
| 2024 | $7,229.00 | ||
| 2022 | $76,425 Land $19,164 Building $57,261 | $229,275 Land $57,492 Building $171,783 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective September 18, 2025
| 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 |
Values are read at the parcel center point; 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: 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 252 locations within half a mile, as of December 31, 2025
| Provider | Max 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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