511 Arbor Ln, Oswego, IL 60543 Property Records

Kendall County property record for 511 Arbor Ln, Oswego, IL 60543

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,977 sqft · built 2001
Lot Size	0.243 acres (10,583 sqft)
Owner	Individual Name on File
Last Sale	$470,000 (Feb 2024)
Tax Bill	$10,946 (2024)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Jul 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-13-241-018`

Property Details

APN / Parcel Number

Primary APN	`02-13-241-018`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,977 sqft Living Area
Gross Area	5,178 sqft
1st Floor Area	2,977 sqft
Basement Area	1,521 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Bi-Level
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	10,583 sqft (0.243 acres)
Lot Dimensions	120 ft deep x 88 ft wide
Garage Type	Attached
Garage Area	680 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	511 ARBOR LN
City	OSWEGO
State	IL
Zip	60543-7562
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 156 GATES CREEK SUB PHASE 4 VILLAGE OF OSWEGO
Legal Subdivision	GATES CREEK SUB PHASE 4
Legal Lot Number	156
Jurisdiction	KENDALL IL
Township / Civil Division	BRISTOL
Census Block Group	3
Census Block	3003
Census Tract	890403

Owner

Source: Kendall County assessment roll, 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	Individual Name on File
Mailing Address	360 GRAPE VINE TRL, OSWEGO, IL 60543-6016
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2024	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Jul 25, 2022	Deed of Trust, Mortgage · VA Mortgage E MORTGAGE CAPITAL INC
Jan 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 13, 2024 · Amount on Record
Deed Sale	Feb 13, 2024 · Amount on Record
Prior Sale	May 4, 2016 · Amount on Record
Deed Document Number	20241498
Prior Transfer Date	Nov 6, 2009
Prior Transfer Doc	0000000493
Record Updated	Sep 20, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Feb 13, 2024
Property Address	511 ARBOR LN, OSWEGO, IL 60543-7562
Document Number	0000001498
Instrument Date	Jan 23, 2024
Instrument	202400001498
Transaction Type	Transfer
Record Updated	Feb 26, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$470.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 ARBOR LN, OSWEGO, IL 60543-7562

Mortgage

Document Number	0000001499
Date	Feb 13, 2024
Instrument	202400001499

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2054

Interest

Rate	6.37%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	511 ARBOR LN, OSWEGO, IL 60543-7562
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012519
Date	Jul 25, 2022
Instrument	202200012519

Lender

Name	E MORTGAGE CAPITAL INC
Type	Mortgage Company
Address	SANTA ANA, CA 92701

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	511 ARBOR LN, OSWEGO, IL 60543-7562
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MADISON SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000029
Date	Jan 3, 2020
Instrument	202000000029

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed Rate
Rate	3.62%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Kendall County
County Subdivision	Bristol Township
Municipality	Oswego Village
Unified School District	Oswego Community Unit School District 308 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$170,499 (+34.49%) Land $18,038 Building $152,461	$511,497 (+34.49%) Land $54,114 Building $457,383
2024	$10,946.00
2022		$126,774 Land $13,412 Building $113,362	$380,322 Land $40,236 Building $340,086

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 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 210 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
Benton Ridge Telephone Company Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile USA.

Nearby Properties on Arbor Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures