Kendall County property record for 545 Arbor Ln, Oswego, IL 60543
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,078 sqft · built 1999 |
| Lot Size | 0.275 acres (11,974 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $585,000 (Jun 2026) |
| Tax Bill | $12,407 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Aug 2019 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-13-405-002 |
| Primary APN | 02-13-405-002 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,078 sqft Living Area |
| Gross Area | 4,842 sqft |
| 1st Floor Area | 3,078 sqft |
| Basement Area | 1,302 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 11,974 sqft (0.275 acres) |
| Lot Dimensions | 133 ft deep x 98 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|
| Street Address | 545 ARBOR LN |
|---|---|
| City | OSWEGO |
| State | IL |
| Zip | 60543-7509 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 224 GATES CREEK SUB PHASE 3 VILLAGE OF OSWEGO. |
| Legal Subdivision | GATES CREEK SUB PHASE 3 |
| Legal Lot Number | 224 |
| Jurisdiction | KENDALL IL |
| Township / Civil Division | BRISTOL |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 890403 |
Source: Kendall County records, as of June 30, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 632 EDWARDS ST, AURORA, IL 60505-2204 |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Jun 18, 2026 | Warranty Deed, Transfer · Conventional Mortgage OCMBC INC |
| Aug 26, 2019 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ALLIED FIRST BANK SB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 18, 2026 · Amount on Record |
| Deed Sale | Jun 18, 2026 · Amount on Record |
| Prior Sale | Jun 29, 1999 · Amount on Record |
| Deed Document Number | 20268718 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENDALL IL |
| Recording Date | Jun 18, 2026 |
| Property Address | 545 ARBOR LN, OSWEGO, IL 60543-7509 |
| Document Number | 0000008718 |
| Instrument Date | May 29, 2026 |
| Instrument | 20268718 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $88,627.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000008719, |
|---|---|
| Date | Jun 18, 2026 |
| Instrument | 20268719 |
| Name | OCMBC INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 8.63% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 545 ARBOR LN, OSWEGO, IL 60543-7509 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000012024 |
|---|---|
| Date | Aug 26, 2019 |
| Instrument | 201900012024 |
| Name | ALLIED FIRST BANK SB |
|---|---|
| Type | Bank |
| Address | OSWEGO, IL 60543 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 31 Months |
| Due | Mar 29, 2022 |
| Rate | 7.95% |
|---|
Source: Kendall County assessment roll, as of May 27, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,407.00 (+2.81%) | $171,634 (+9.24%) Land $18,038 Building $153,596 | $514,902 (+9.24%) Land $54,114 Building $460,788 |
| 2024 | $12,068.00 | $157,116 (+23.11%) Land $16,512 Building $140,604 | $471,348 (+23.11%) Land $49,536 Building $421,812 |
| 2022 | $127,618 Land $13,412 Building $114,206 | $382,854 Land $40,236 Building $342,618 |
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.
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.
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.
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 |
| 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.
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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