Kendall County property record for 54 Royce Rd, Oswego, IL 60543
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,632 sqft · built 1972 |
| Lot Size | 0.921 acres (40,101 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $275,000 (Jul 2006) |
| Tax Bill | $9,270 (2024) |
| Deeds & Mortgages | Oct 2025 Line of Credit Jun 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-27-401-017 |
| Primary APN | 03-27-401-017 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,632 sqft Living Area |
| Gross Area | 3,852 sqft |
| 1st Floor Area | 1,632 sqft |
| Basement Area | 1,632 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Asphalt |
| Lot Area | 40,101 sqft (0.921 acres) |
| Garage Type | Attached |
| Garage Area | 588 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 54 ROYCE RD |
|---|---|
| City | OSWEGO |
| State | IL |
| Zip | 60543-9706 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 8 RING-NECK SUB UNIT 2 SEC 27-37-8 |
| Legal Range | 08E |
| Legal Township | 37N |
| Legal Section | 27 |
| Legal Subdivision | RING-NECK SUB |
| Legal Lot Number | 8 |
| Jurisdiction | KENDALL IL |
| Township / Civil Division | OSWEGO |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 890105 |
54 Royce Rd is owned and occupied by two individuals who bought it in July 2006.
Source: Kendall County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 54 ROYCE RD, OSWEGO, IL 60543-9706 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 22, 2025 | Deed of Trust, Mortgage · Line of Credit OLD SECOND NATIONAL BANK |
| Jun 23, 2021 | Deed of Trust, Mortgage · Line of Credit CIBM BANK |
| Sep 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CIBM BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 7, 2006 · Amount on File |
| Deed Sale | Jul 7, 2006 · Amount on File |
| Prior Sale | May 20, 1997 · Amount on File |
| Deed Document Number | 200620202 |
| Transfer Doc | 0000010761 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 54 ROYCE RD, OSWEGO, IL 60543-9706 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Title Company | HEARTLAND TITLE COMPANY, WHEATLAND TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000013872 |
|---|---|
| Date | Oct 22, 2025 |
| Instrument | 202500013872 |
| Name | OLD SECOND NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | AURORA, IL 60506 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 25, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 54 ROYCE RD, OSWEGO, IL 60543-9706 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 54 ROYCE RD, OSWEGO, IL 60543-9706 |
| Document Number | 0000015916 |
|---|---|
| Date | Jun 23, 2021 |
| Instrument | 202100015916 |
| Name | CIBM BANK |
|---|---|
| Type | Bank |
| Address | WHEATON, IL 60187 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 54 ROYCE RD, OSWEGO, IL 60543-9706 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000018473 |
|---|---|
| Date | Sep 22, 2020 |
| Instrument | 202000018473 |
| Name | CIBM BANK |
|---|---|
| Type | Bank |
| Address | NAPERVILLE, IL 60563 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2040 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.62% |
Source: Kendall County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kendall County |
| County Subdivision | Oswego Township |
| Unified School District | Oswego Community Unit School District 308 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $136,658 Land $31,051 Building $105,607 | $409,974 Land $93,153 Building $316,821 | |
| 2024 | $9,270.00 | ||
| 2022 | $100,053 Land $22,734 Building $77,319 | $300,159 Land $68,202 Building $231,957 |
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.
FEMA maps place 54 Royce Rd 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 | 1 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 risk around 54 Royce Rd 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.
Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
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