643 Pearces Ford, Oswego, IL 60543 Property Records

Kendall County property record for 643 Pearces Ford, Oswego, IL 60543

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,516 sqft · built 1995
Lot Size	0.294 acres (12,814 sqft)
Owner	2 Company Names on Record
Last Sale	$230,500 (Feb 2002)
Tax Bill	$9,869 (2025)
Deeds & Mortgages	Jun 2026 Sale Jun 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-09-115-019`

Property Details

APN / Parcel Number

Primary APN	`03-09-115-019`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,516 sqft Living Area
Gross Area	2,953 sqft
1st Floor Area	2,516 sqft
Basement Area	1,192 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	12,814 sqft (0.294 acres)
Garage Type	Attached
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	643 PEARCES FRD
City	OSWEGO
State	IL
Zip	60543-7321
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 136 THE PONDS AT MILL RACE CREEK VILLAGE OF OSWEGO
Legal Subdivision	MILL RACE CREEK
Legal Lot Number	136
Jurisdiction	KENDALL IL
Township / Civil Division	OSWEGO
Census Block Group	4
Census Block	4019
Census Tract	890302

Owner

Source: Kendall County records, as of August 6, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	643 PEARCES FRD, OSWEGO, IL 60543-7321
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Jun 29, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Jun 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Mar 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage EARTHMOVER CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2002 · Amount on Record
Deed Sale	Feb 8, 2002 · Amount on Record
Prior Sale	May 3, 1999 · Amount on Record
Deed Document Number	20023833
Last Transfer Date	Jun 3, 2026
Transfer Doc	0000009320
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	KENDALL IL
Recording Date	Jun 29, 2026
Property Address	643 PEARCES FRD, OSWEGO, IL 60543-7321
Document Number	0000009320
Instrument Date	Jun 3, 2026
Instrument	20269320
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Percentage Unclear Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	643 PEARCES FRD, OSWEGO, IL 60543-7321

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	KENDALL IL
Recording Date	Jun 29, 2026
Property Address	643 PEARCES FRD, OSWEGO, IL 60543-7321
Document Number	0000009320
Instrument Date	Jun 3, 2026
Instrument	20269320
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Percentage Unclear

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	643 PEARCES FRD, OSWEGO, IL 60543-7321

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	643 PEARCES FRD, OSWEGO, IL 60543-7321
Transaction Type	Mortgage
Record Updated	Jul 8, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016619
Date	Jun 30, 2021
Instrument	202100016619

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	118 Months
Due	Apr 1, 2031

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	643 PEARCES FRD, OSWEGO, IL 60543-7321
Document Number	0000004597
Instrument Date	Mar 21, 2019
Transaction Type	Mortgage
Record Updated	Apr 29, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	643 PEARCES FRD OSWEGO IL 605437321, OSWEGO, IL 60543-7321

Mortgage

Document Number	0000004597
Date	Apr 17, 2019
Instrument	4597

Lender

Name	EARTHMOVER CU
Type	Credit Union
Address	AURORA, IL 60507

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 16, 2029

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	$9,869.00 (-1.15%)	$136,572 (+30.51%) Land $33,083 Building $103,489	$409,716 (+30.51%) Land $99,249 Building $310,467
2024	$9,984.00
2022		$104,641 Land $25,348 Building $79,293	$313,923 Land $76,044 Building $237,879

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 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.

Wildfire

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.

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 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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