Kendall County property record for 554 Cardinal Ave, Oswego, IL 60543
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,561 sqft · built 2004 |
| Lot Size | 0.246 acres (10,694 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $288,000 (Aug 2004) |
| Tax Bill | $9,973 (2024) |
| Deeds & Mortgages | Mar 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-15-204-014 |
| Primary APN | 03-15-204-014 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,561 sqft Living Area |
| Gross Area | 4,590 sqft |
| 1st Floor Area | 2,561 sqft |
| Basement Area | 1,341 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Asphalt |
| Lot Area | 10,694 sqft (0.246 acres) |
| Garage Type | Attached |
| Garage Area | 688 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|
| Street Address | 554 CARDINAL AVE |
|---|---|
| City | OSWEGO |
| State | IL |
| Zip | 60543-7747 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 185 CHURCHILL CLUB PARCEL 5 |
| Legal Subdivision | CHURCHILL CLUB |
| Legal Lot Number | 185 |
| Jurisdiction | KENDALL IL |
| Township / Civil Division | OSWEGO |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 890103 |
554 Cardinal Ave is owned and occupied by two individuals who bought it in August 2004.
Source: Kendall County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 554 CARDINAL AVE, OSWEGO, IL 60543-7747 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 2004 · Amount on File |
| Deed Sale | Aug 26, 2004 · Amount on File |
| Deed Document Number | 200423922 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 554 CARDINAL AVE, OSWEGO, IL 60543-7747 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000003521 |
|---|---|
| Date | Mar 2, 2017 |
| Instrument | 201700003521 |
| Name | STATE FARM BANK FSB |
|---|---|
| Type | Bank |
| Address | EARTH CITY, MO 63045 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 1, 2032 |
| Rate | 3.12% |
|---|
Source: Kendall County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kendall County |
| County Subdivision | Oswego Township |
| Municipality | Oswego Village |
| Unified School District | Oswego Community Unit School District 308 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $136,437 Land $26,578 Building $109,859 | $409,311 Land $79,734 Building $329,577 | |
| 2024 | $9,973.00 | ||
| 2022 | $106,439 Land $20,734 Building $85,705 | $319,317 Land $62,202 Building $257,115 |
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 554 Cardinal Ave 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.
The area around 554 Cardinal Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 350 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 |
May also be available: Verizon.
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