535 Arbor Ln, Oswego, IL 60543 Property Records

Kendall County property record for 535 Arbor Ln, Oswego, IL 60543

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,858 sqft · built 1999
Lot Size	0.241 acres (10,489 sqft)
Owner	Individual Name on File
Last Sale	$385,000 (Jun 2021)
Tax Bill	$12,192 (2024)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-13-403-002`

Property Details

APN / Parcel Number

Primary APN	`02-13-403-002`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,858 sqft Living Area
Gross Area	4,752 sqft
1st Floor Area	2,858 sqft
Basement Area	1,255 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Bi-Level
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	10,489 sqft (0.241 acres)
Lot Dimensions	120 ft deep x 87 ft wide
Garage Type	Attached
Garage Area	639 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	535 ARBOR LN
City	OSWEGO
State	IL
Zip	60543-7509
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 193 GATES CREEK SUB PHASE 3 VILLAGE OF OSWEGO.
Legal Subdivision	GATES CREEK SUB PHASE 3
Legal Lot Number	193
Jurisdiction	KENDALL IL
Township / Civil Division	BRISTOL
Census Block Group	3
Census Block	3002
Census Tract	890403

Owner

535 Arbor Ln is owned and occupied by an individual who acquired it in December 2024.

Source: Kendall County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	535 ARBOR LN, OSWEGO, IL 60543-7509
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2021	Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION
Feb 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENTAGON FCU
Aug 4, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2021 · Amount on File
Deed Sale	Jun 28, 2021 · Amount on File
Prior Sale	Jan 25, 2005 · Amount on File
Deed Document Number	202116347
Last Transfer Date	Dec 13, 2024
Transfer Doc	0000001200
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Jun 28, 2021
Property Address	535 ARBOR LN, OSWEGO, IL 60543-7509
Document Number	0000016347
Instrument Date	Jun 18, 2021
Instrument	202100016347
Transaction Type	Transfer
Record Updated	Jul 7, 2021
Title Company	FIDELITY NATIONAL TITLE INSURANCE NY, FIDELITY NATIONAL TITLE INS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$385.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	535 ARBOR LN, OSWEGO, IL 60543-7509

Mortgage

Document Number	0000016348
Date	Jun 28, 2021
Instrument	202100016348

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	535 ARBOR LN, OSWEGO, IL 60543-7509
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002639
Date	Feb 1, 2021
Instrument	202100002639

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 10, 2051

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENDALL IL
Recording Date	Aug 4, 2017
Property Address	535 ARBOR LN, OSWEGO, IL 60543-7509
Document Number	0000012336
Instrument Date	Jul 31, 2017
Instrument	12336
Transaction Type	Transfer
Record Updated	Sep 5, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	535 ARBOR LN OSWEGO IL 605437509, OSWEGO, IL 60543-7509

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		$166,775 Land $18,038 Building $148,737	$500,325 Land $54,114 Building $446,211
2024	$12,192.00
2022		$124,005 Land $13,412 Building $110,593	$372,015 Land $40,236 Building $331,779

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

FEMA maps place 535 Arbor Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 535 Arbor Ln is low, with less than a 0.01% annual chance of 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.

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