581 Cardinal Ave, Oswego, IL 60543 Property Records

Kendall County property record for 581 Cardinal Ave, Oswego, IL 60543

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,553 sqft · built 2006
Lot Size	0.178 acres (7,752 sqft)
Owner	2 Individual Names on File
Last Sale	$310,500 (Sep 2007)
Tax Bill	$11,517 (2024)
Deeds & Mortgages	Mar 2022 Mortgage Apr 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-15-206-008`

Property Details

APN / Parcel Number

Primary APN	`03-15-206-008`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,553 sqft Living Area
Gross Area	4,232 sqft
1st Floor Area	3,553 sqft
Basement Area	1,116 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2007
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	7,752 sqft (0.178 acres)
Lot Dimensions	125 ft deep x 62 ft wide
Garage Type	Attached
Garage Area	679 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Street Address	581 CARDINAL AVE
City	OSWEGO
State	IL
Zip	60543-7742
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 50 CHURCHILL CLUB PARCEL 5
Legal Subdivision	CHURCHILL CLUB
Legal Lot Number	50
Jurisdiction	KENDALL IL
Township / Civil Division	OSWEGO
Census Block Group	2
Census Block	2039
Census Tract	890103

Owner

581 Cardinal Ave is owned and occupied by two individuals who acquired it in March 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	581 CARDINAL AVE, OSWEGO, IL 60543-7742
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Apr 22, 2026	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK
Jan 27, 2020	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2007 · Amount on File
Deed Sale	Sep 7, 2007 · Amount on File
Deed Document Number	200727270
Last Transfer Date	Mar 29, 2012
Transfer Doc	0000007443
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	581 CARDINAL AVE, OSWEGO, IL 60543-7742
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005720
Date	Mar 28, 2022
Instrument	202200005720

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	178 Months
Due	Jan 1, 2037

Interest

Rate	2.5%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Recording Date	Apr 22, 2026
Property Address	581 CARDINAL AVE, OSWEGO, IL 60543-7742
Document Number	0000005626
Instrument Date	Apr 16, 2026
Instrument	20265626
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	581 CARDINAL AVE, OSWEGO, IL 60543-7742

Mortgage

Document Number	0000005626,
Date	Apr 22, 2026
Instrument	20265626

Lender

Name	BMO HARRIS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 21, 2056

Interest

Rate	7.79%
Max Rate	-1%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	581 CARDINAL AVE, OSWEGO, IL 60543-7742
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001143
Date	Jan 27, 2020
Instrument	202000001143

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 16, 2050

Interest

Rate Type	Adjustable Rate
Rate	5.26%
Change Frequency	Monthly

Tax Assessment & Valuation

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		$156,579 (+5%) Land $26,578 Building $130,001	$469,737 (+5%) Land $79,734 Building $390,003
2024	$11,517.00	$149,122 Land $25,312 Building $123,810	$447,366 Land $75,936 Building $371,430
2022		$122,151 Land $20,734 Building $101,417	$366,453 Land $62,202 Building $304,251

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 581 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 581 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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