577 Cardinal Ave, Oswego, IL 60543 Property Records

Kendall County property record for 577 Cardinal Ave, Oswego, IL 60543

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,360 sqft · built 2004
Lot Size	0.178 acres (7,750 sqft)
Owner	2 Individual Names on File
Last Sale	$440,000 (Sep 2026)
Tax Bill	$9,344 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Nov 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-15-206-006`

Property Details

APN / Parcel Number

Primary APN	`03-15-206-006`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,360 sqft Living Area
Gross Area	2,903 sqft
1st Floor Area	2,360 sqft
Basement Area	834 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Bi-Level
Exterior Material	Vinyl
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	7,750 sqft (0.178 acres)
Lot Dimensions	125 ft deep x 62 ft wide
Garage Type	Attached
Garage Area	543 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	577 CARDINAL AVE
City	OSWEGO
State	IL
Zip	60543-7742
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 48 CHURCHILL CLUB PARCEL 5
Legal Subdivision	CHURCHILL CLUB
Legal Lot Number	48
Jurisdiction	KENDALL IL
Township / Civil Division	OSWEGO
Census Block Group	2
Census Block	2039
Census Tract	890103

Owner

577 Cardinal Ave is owned by two individuals who bought it in September 2026.

Source: Kendall County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	52 PEMBROOKE RD, MONTGOMERY, IL 60538-2037
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
Sep 28, 2026	Deed, Transfer · FHA Mortgage GUILD MORTGAGE COMPANY
Nov 9, 2021	Intrafamily Transfer, Transfer ATTORNEY
Dec 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2026 · Amount on File
Deed Sale	Sep 28, 2026 · Amount on File
Prior Sale	Dec 7, 2004 · Amount on File
Deed Document Number	202614157
Prior Transfer Date	Oct 19, 2021
Prior Transfer Doc	0000029078
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	KENDALL IL
Recording Date	Sep 28, 2026
Property Address	577 CARDINAL AVE, OSWEGO, IL 60543-7742
Document Number	0000014157
Instrument Date	May 15, 2026
Instrument	202614157
Transaction Type	Transfer
Record Updated	Oct 6, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$133,289.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	52 PEMBROOKE RD, MONTGOMERY, IL 60538-2037

Mortgage

Document Number	0000014158,
Date	Sep 28, 2026
Instrument	202614158

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Max Rate	-1%

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENDALL IL
Recording Date	Nov 9, 2021
Property Address	577 CARDINAL AVE, OSWEGO, IL 60543-7742
Document Number	0000029078
Map Reference	DOC 200300034773
Instrument Date	Oct 19, 2021
Instrument	202100029078
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	577 CARDINAL AVE, OSWEGO, IL 60543-7742

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	577 CARDINAL AVE, OSWEGO, IL 60543-7742
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024996
Date	Dec 7, 2020
Instrument	202000024996

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	239 Months
Due	Nov 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 577 Cardinal Ave was $9,344, down 1% from the year before.

Source: Kendall County assessment roll, as of May 27, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,344.00 (-1.05%)	$131,618 (+5%) Land $26,578 Building $105,040	$394,854 (+5%) Land $79,734 Building $315,120
2024	$9,443.00	$125,350 Land $25,312 Building $100,038	$376,050 Land $75,936 Building $300,114
2022		$102,679 Land $20,734 Building $81,945	$308,037 Land $62,202 Building $245,835

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 577 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.

Wildfire

Wildfire risk around 577 Cardinal Ave 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 97% of the US · lower than 79% 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 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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