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635 Pearces Ford, Oswego, IL 60543 Property Records

Kendall County property record for 635 Pearces Ford, Oswego, IL 60543

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,762 sqft · built 1995
Lot Size0.381 acres (16,601 sqft)
OwnerCompany Name on Record
Last Sale$237,000 (Oct 2015)
Tax Bill$8,731 (2024)
Deeds & MortgagesJul 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN03-09-115-023

Property Details

APN / Parcel Number

Primary APN03-09-115-023

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories1 Story
Building Area1,762 sqft Living Area
Gross Area2,202 sqft
1st Floor Area1,762 sqft
Basement Area930 sqft

Exterior

Year BuiltBuilt 1995
Effective Year BuiltEffective 1995
Exterior MaterialAluminum/Vinyl
Construction TypeBrick
Foundation TypeRaised
Roof MaterialAsphalt
Lot Area16,601 sqft (0.381 acres)
Garage TypeAttached
Garage Area440 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address635 PEARCES FRD
CityOSWEGO
StateIL
Zip60543-7321
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 132 THE PONDS AT MILL RACE CREEK VILLAGE OF OSWEGO
Legal SubdivisionMILL RACE CREEK
Legal Lot Number132
JurisdictionKENDALL IL
Township / Civil DivisionOSWEGO
Census Block Group4
Census Block4019
Census Tract890302

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on Record
Mailing Address635 PEARCES FRD, OSWEGO, IL 60543-7321
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 6, 2015 · Amount on Record
Deed SaleOct 6, 2015 · Amount on Record
Prior SaleDec 1, 1995 · Amount on Record
Deed Document Number201516098
Prior Transfer DateMar 2, 2011
Prior Transfer Doc0000006078
Record UpdatedOct 29, 2026

July 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENDALL IL
Property Address635 PEARCES FRD, OSWEGO, IL 60543-7321
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyFOX TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000009799
DateJul 13, 2018
Instrument201800009799
Lender
NameOLD SECOND NATIONAL BANK
TypeBank
AddressAURORA, IL 60506
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term241 Months
DueAug 1, 2038

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyKendall County
County SubdivisionOswego Township
MunicipalityOswego Village
Unified School DistrictOswego Community Unit School District 308 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$125,476 (+30.52%) Land $33,083 Building $92,393$376,428 (+30.52%) Land $99,249 Building $277,179
2024$8,731.00
2022$96,139 Land $25,348 Building $70,791$288,417 Land $76,044 Building $212,373

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

Source: FEMA National Flood Hazard Layer, effective September 18, 2025

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within 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 SystemOSWEGO
serves 38,169 people · EPA ID IL0930150
Water SourceGroundwater
Last State InspectionOct 2025
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityRadium
resolved · Jan 2017
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 430 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Metronet
Fiber		5,120 / 5,120
Xfinity
Cable		2,000 / 250
Watch TV
Fixed Wireless		400 / 40
T-Mobile
Fixed Wireless		100 / 20
AT&T
DSL		100 / 20

May also be available: Verizon.

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