540 Arbor Ln, Oswego, IL 60543 Property Records

Kendall County property record for 540 Arbor Ln, Oswego, IL 60543

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,172 sqft · built 1999
Lot Size	0.271 acres (11,820 sqft)
Owner	2 Individual Names on File
Last Sale	$382,500 (Jun 2021)
Tax Bill	$12,093 (2024)
Deeds & Mortgages	Feb 2024 Line of Credit Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-13-412-005`

Property Details

APN / Parcel Number

Primary APN	`02-13-412-005`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,172 sqft Living Area
Gross Area	3,592 sqft
1st Floor Area	3,172 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	11,820 sqft (0.271 acres)
Lot Dimensions	140 ft deep x 132 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	540 ARBOR LN
City	OSWEGO
State	IL
Zip	60543-7512
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 219 GATES CREEK SUB PHASE 3 VILLAGE OF OSWEGO.
Legal Subdivision	GATES CREEK SUB PHASE 3
Legal Lot Number	219
Jurisdiction	KENDALL IL
Township / Civil Division	BRISTOL
Census Block Group	3
Census Block	3023
Census Tract	890403

Owner

540 Arbor Ln is owned and occupied by two individuals who bought it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	540 ARBOR LN, OSWEGO, IL 60543-7512
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Feb 23, 2024	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jun 22, 2021	Warranty Deed, Transfer · Conventional Mortgage LIFESTONE MORTGAGE CORP
May 23, 2018	Grant Deed, Transfer · FHA Mortgage EAGLE HM MTG/CA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2021 · Amount on File
Deed Sale	Jun 22, 2021 · Amount on File
Prior Sale	May 23, 2018 · Amount on File
Deed Document Number	202115700
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	540 ARBOR LN, OSWEGO, IL 60543-7512
Transaction Type	Mortgage
Record Updated	Mar 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 ARBOR LN, OSWEGO, IL 60543-7512

Mortgage

Document Number	0000001939
Date	Feb 23, 2024
Instrument	202400001939

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Mar 1, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Jun 22, 2021
Property Address	540 ARBOR LN, OSWEGO, IL 60543-7512
Document Number	0000015700
Instrument Date	May 12, 2021
Instrument	202100015700
Transaction Type	Transfer
Record Updated	Jul 2, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$382.50
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	540 ARBOR LN, OSWEGO, IL 60543-7512

Mortgage

Document Number	0000015701
Date	Jun 22, 2021
Instrument	202100015701

Lender

Name	LIFESTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.25%

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENDALL IL
Recording Date	May 23, 2018
Property Address	540 ARBOR LN, OSWEGO, IL 60543-7512
Document Number	0000007033
Instrument Date	May 12, 2018
Instrument	7033
Transaction Type	Transfer
Record Updated	Jan 12, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3014 DAN IRELAND DR JOLIET IL 604359039, JOLIET, IL 60435-9039

Mortgage

Document Number	7034
Date	May 23, 2018
Instrument	7034

Lender

Name	EAGLE HM MTG/CA
Type	Mortgage Company
Address	MIAMI, FL 33172-3139

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 22, 2048

Interest

Rate Type	Fixed Rate
Rate	5.25%

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		$171,977 Land $18,038 Building $153,939	$515,931 Land $54,114 Building $461,817
2024	$12,093.00
2022		$127,873 Land $13,412 Building $114,461	$383,619 Land $40,236 Building $343,383

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 540 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 540 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 95% of the US · lower than 70% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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