Kendall County property record for 617 Carnation Dr, Oswego, IL 60543
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,325 sqft · built 2000 |
| Lot Size | 0.253 acres (11,011 sqft) |
| Owner | Individual Name on File |
| Last Sale | $500,000 (May 2026) |
| Tax Bill | $10,103 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Jan 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-19-404-003 |
| Primary APN | 03-19-404-003 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,325 sqft Living Area |
| Gross Area | 3,960 sqft |
| 1st Floor Area | 2,325 sqft |
| Basement Area | 1,173 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Brick |
| Roof Material | Asphalt |
| Lot Area | 11,011 sqft (0.253 acres) |
| Lot Dimensions | 147 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|
| Street Address | 617 CARNATION DR |
|---|---|
| City | OSWEGO |
| State | IL |
| Zip | 60543-8255 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 84 ARBOR GATE UNIT 2 VILLAGE OF OSWEGO |
| Legal Subdivision | ARBOR GATE |
| Legal Lot Number | 84 |
| Jurisdiction | KENDALL IL |
| Township / Civil Division | OSWEGO |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 890108 |
617 Carnation Dr is owned by an individual who bought it in May 2026.
Source: Kendall County records, as of June 9, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1359 COTTONWOOD DR, AURORA, IL 60506-6355 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 28, 2026 | Deed, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS |
| Jan 29, 2024 | Warranty Deed, Transfer · Conventional Mortgage MIDAMERICA LENDERS & CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 28, 2026 · Amount on File |
| Deed Sale | May 28, 2026 · Amount on File |
| Prior Sale | Jan 29, 2024 · Amount on File |
| Deed Document Number | 20267557 |
| Prior Transfer Date | Dec 29, 2016 |
| Prior Transfer Doc | 0000021281 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENDALL IL |
| Recording Date | May 28, 2026 |
| Property Address | 617 CARNATION DR, OSWEGO, IL 60543-8255 |
| Document Number | 0000007557 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 20267557 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $75,750.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1359 COTTONWOOD DR, AURORA, IL 60506-6355 |
| Document Number | 0000007558, |
|---|---|
| Date | May 28, 2026 |
| Instrument | 20267558 |
| Name | NEIGHBORHOOD LOANS |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.5% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENDALL IL |
| Recording Date | Jan 29, 2024 |
| Property Address | 617 CARNATION DR, OSWEGO, IL 60543-8255 |
| Document Number | 0000000962 |
| Map Reference | DOC 9708807 |
| Instrument Date | Dec 12, 2023 |
| Instrument | 202400000962 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2024 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $430.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 617 CARNATION DR, OSWEGO, IL 60543-8255 |
| Document Number | 0000000963 |
|---|---|
| Date | Jan 29, 2024 |
| Instrument | 202400000963 |
| Name | MIDAMERICA LENDERS & CO |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60656 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7% |
The 2025 property tax bill for 617 Carnation Dr was $10,103, up 2.5% from the year before.
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 | $10,103.00 (+2.5%) | $133,630 (+4%) Land $32,550 Building $101,080 | $400,890 (+4%) Land $97,650 Building $303,240 |
| 2024 | $9,857.00 | $128,490 Land $31,298 Building $97,192 | $385,470 Land $93,894 Building $291,576 |
| 2022 | $104,319 Land $25,410 Building $78,909 | $312,957 Land $76,230 Building $236,727 |
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 617 Carnation Dr 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 617 Carnation Dr 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 153 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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