519 Arbor Ln, Oswego, IL 60543 Property Records

Kendall County property record for 519 Arbor Ln, Oswego, IL 60543

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,916 sqft · built 2001
Lot Size	0.242 acres (10,543 sqft)
Owner	Company Name on Record
Last Sale	$383,000 (Nov 2008)
Tax Bill	$11,818 (2024)
Deeds & Mortgages	Jan 2023 Line of Credit Jan 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-13-241-022`

Property Details

APN / Parcel Number

Primary APN	`02-13-241-022`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,916 sqft Living Area
Gross Area	4,995 sqft
1st Floor Area	2,916 sqft
Basement Area	1,448 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	10,543 sqft (0.242 acres)
Garage Type	Attached
Garage Area	631 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Street Address	519 ARBOR LN
City	OSWEGO
State	IL
Zip	60543-7562
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 170 GATES CREEK PHASE 6 VILLAGE OF OSWEGO
Legal Subdivision	GATES CREEK PHASE 6
Legal Lot Number	170
Jurisdiction	KENDALL IL
Township / Civil Division	BRISTOL
Census Block Group	3
Census Block	3003
Census Tract	890403

Owner

Source: Kendall County records, as of October 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	519 ARBOR LN, OSWEGO, IL 60543-7562
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2023	Deed of Trust, Mortgage · Line of Credit HEALTHCARE ASSOCIATES CU
Jan 3, 2023	Intrafamily Transfer, Transfer ATTORNEY
Dec 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITYAMERICA CU
Feb 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage GMFS LLC
Sep 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage GMFS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2008 · Amount on Record
Deed Sale	Nov 5, 2008 · Amount on Record
Prior Sale	Jun 30, 2004 · Amount on Record
Deed Document Number	200823984
Last Transfer Date	Sep 26, 2022
Transfer Doc	0000000061
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	519 ARBOR LN, OSWEGO, IL 60543-7562
Transaction Type	Mortgage
Record Updated	Jan 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000651
Date	Jan 17, 2023
Instrument	202300000651

Lender

Name	HEALTHCARE ASSOCIATES CU
Type	Credit Union
Address	CHICAGO, IL 60653

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 16, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENDALL IL
Recording Date	Jan 3, 2023
Property Address	519 ARBOR LN, OSWEGO, IL 60543-7562
Document Number	0000000061
Instrument Date	Sep 26, 2022
Instrument	202300000061
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	519 ARBOR LN, OSWEGO, IL 60543-7562

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	519 ARBOR LN, OSWEGO, IL 60543-7562
Transaction Type	Mortgage
Record Updated	Dec 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031764
Date	Dec 3, 2021
Instrument	202100031764

Lender

Name	COMMUNITYAMERICA CU
Type	Credit Union
Address	LENEXA, KS 66219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2036

Interest

Rate Type	Fixed Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	519 ARBOR LN, OSWEGO, IL 60543-7562
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002952
Date	Feb 3, 2021
Instrument	202100002952

Lender

Name	GMFS LLC
Type	Subprime Lender
Address	BATON ROUGE, LA 70806

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.5%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	519 ARBOR LN, OSWEGO, IL 60543-7562
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CTC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017886
Date	Sep 15, 2020
Instrument	202000017886

Lender

Name	GMFS LLC
Type	Subprime Lender
Address	BATON ROUGE, LA 70806

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

Interest

Rate Type	Fixed Rate
Rate	3%

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		$168,218 (+9.24%) Land $18,038 Building $150,180	$504,654 (+9.24%) Land $54,114 Building $450,540
2024	$11,818.00	$153,989 (+23.11%) Land $16,512 Building $137,477	$461,967 (+23.11%) Land $49,536 Building $412,431
2022		$125,078 Land $13,412 Building $111,666	$375,234 Land $40,236 Building $334,998

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	Low lower than 99.1% of the US · lower than 94% 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.

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 Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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