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511 Cardinal Ave, Oswego, IL 60543 Property Records

Kendall County property record for 511 Cardinal Ave, Oswego, IL 60543

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 3,553 sqft · built 2005
Lot Size0.164 acres (7,129 sqft)
OwnerIndividual Name on Record
Last Sale$305,000 (May 2018)
Tax Bill$11,886 (2024)
Deeds & MortgagesJul 2019 Mortgage
May 2018 Sale
Flood ZoneZone X (minimal risk)
APN03-15-202-002

Property Details

APN / Parcel Number

Primary APN03-15-202-002

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms10 Rooms
Stories2 Stories
Building Area3,553 sqft Living Area
Gross Area4,232 sqft
1st Floor Area3,553 sqft
Basement Area1,116 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Architectural StyleBi-Level
Exterior MaterialAluminum/Vinyl
Construction TypeBrick
Foundation TypeRaised
Roof MaterialAsphalt
Lot Area7,129 sqft (0.164 acres)
Lot Dimensions115 ft deep x 62 ft wide
Garage TypeAttached
Garage Area679 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address511 CARDINAL AVE
CityOSWEGO
StateIL
Zip60543-7765
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLT 124 CHURCHILL CLUB PARCEL 5
Legal SubdivisionCHURCHILL CLUB
Legal Lot Number124
JurisdictionKENDALL IL
Township / Civil DivisionOSWEGO
Census Block Group2
Census Block2023
Census Tract890103

Owner

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 RecordIndividual Name on Record
Mailing Address511 CARDINAL AVE, OSWEGO, IL 60543-7765
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 25, 2019Deed of Trust, Mortgage · Conventional Mortgage
LOANDEPOT.COM LLC
May 4, 2018Warranty Deed, Transfer
FIRST AMERICAN TITLE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 4, 2018 · Amount on Record
Deed SaleMay 4, 2018 · Amount on Record
Prior SaleJul 19, 2005 · Amount on Record
Deed Document Number20186000
Record UpdatedOct 29, 2026

July 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENDALL IL
Property Address511 CARDINAL AVE, OSWEGO, IL 60543-7765
Document Number0000012530
Instrument DateJul 25, 2019
Transaction TypeMortgage
Record UpdatedSep 30, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address511 CARDINAL AVE OSWEGO IL 605437765, OSWEGO, IL 60543-7765

Mortgage

Document Number0000012530
DateSep 3, 2019
Instrument12530
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 2, 2049
Interest
Rate3.99%

May 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENDALL IL
Recording DateMay 4, 2018
Property Address511 CARDINAL AVE, OSWEGO, IL 60543-7765
Document Number0000006000
Instrument DateApr 17, 2018
Instrument6000
Transaction TypeTransfer
Record UpdatedMay 16, 2018
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
Tax$305.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address500 DANCER LN OSWEGO IL 605434019, OSWEGO, IL 60543-4019

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyKendall County
County SubdivisionOswego Township
MunicipalityOswego Village
Unified School DistrictOswego Community Unit School District 308 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$161,391 (+28.18%) Land $26,578 Building $134,813$484,173 (+28.18%) Land $79,734 Building $404,439
2024$11,886.00
2022$125,906 Land $20,734 Building $105,172$377,718 Land $62,202 Building $315,516

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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 RiskNot rated
no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemOSWEGO
serves 38,169 people · EPA ID IL0930150
Water SourceGroundwater
Last State InspectionOct 2025
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityRadium
resolved · Jan 2017
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 350 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Metronet
Fiber		5,120 / 5,120
Xfinity
Cable		2,000 / 250
Watch TV
Fixed Wireless		400 / 40

May also be available: Verizon.

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