Kendall County property record for 641 Pearces Ford, Oswego, IL 60543
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,120 sqft · built 1999 |
| Lot Size | 0.308 acres (13,409 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $192,000 (Mar 1999) |
| Tax Bill | $9,407 (2024) |
| Deeds & Mortgages | Apr 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-09-115-020 |
| Primary APN | 03-09-115-020 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,120 sqft Living Area |
| Gross Area | 3,640 sqft |
| 1st Floor Area | 2,120 sqft |
| Basement Area | 1,120 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Asphalt |
| Lot Area | 13,409 sqft (0.308 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|
| Street Address | 641 PEARCES FRD |
|---|---|
| City | OSWEGO |
| State | IL |
| Zip | 60543-7321 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 135 THE PONDS AT MILL RACE CREEK VILLAGE OF OSWEGO |
| Legal Subdivision | MILL RACE CREEK |
| Legal Lot Number | 135 |
| Jurisdiction | KENDALL IL |
| Township / Civil Division | OSWEGO |
| Census Block Group | 4 |
| Census Block | 4019 |
| Census Tract | 890302 |
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 Record | Individual Name on Record |
|---|---|
| Mailing Address | 641 PEARCES FRD, OSWEGO, IL 60543-7321 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 1, 1999 · Amount on Record |
| Deed Sale | Mar 1, 1999 · Amount on Record |
| Deed Document Number | 19993244 |
| Last Transfer Date | Dec 23, 2013 |
| Transfer Doc | 0000025162 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Recording Date | Apr 6, 2026 |
| Property Address | 641 PEARCES FRD, OSWEGO, IL 60543-7321 |
| Document Number | 0000004712 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 20264712 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | ICE MORTGAGE TECHNOLOGY INC |
| Name | Verified Name |
|---|---|
| Address | 641 PEARCES FRD, OSWEGO, IL 60543-7321 |
| Document Number | 0000004712, |
|---|---|
| Date | Apr 6, 2026 |
| Instrument | 20264712 |
| Name | ASIA BANK NATIONAL ASSOCIATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.99% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
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 | $129,052 (+5%) Land $33,083 Building $95,969 | $387,156 (+5%) Land $99,249 Building $287,907 | |
| 2024 | $9,407.00 | $122,907 (+24.3%) Land $31,508 Building $91,399 | $368,721 (+24.3%) Land $94,524 Building $274,197 |
| 2022 | $98,879 Land $25,348 Building $73,531 | $296,637 Land $76,044 Building $220,593 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 18, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 430 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
May also be available: Verizon.
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