Kendall County property record for 743 Spires Dr, Oswego, IL 60543
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,404 sqft · built 2006 |
| Lot Size | 0.164 acres (7,130 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $422,000 (May 2022) |
| Tax Bill | $9,782 (2024) |
| Deeds & Mortgages | Apr 2024 Mortgage May 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-11-305-009 |
| Primary APN | 03-11-305-009 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,404 sqft Living Area |
| Gross Area | 2,947 sqft |
| 1st Floor Area | 2,404 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Asphalt |
| Lot Area | 7,130 sqft (0.164 acres) |
| Lot Dimensions | 115 ft deep x 62 ft wide |
| Garage Type | Attached |
| Garage Area | 543 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Water Source | Commercial |
| Street Address | 743 SPIRES DR |
|---|---|
| City | OSWEGO |
| State | IL |
| Zip | 60543-4045 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 508 CHURCHILL CLUB PARCEL 7 VILLAGE OF OSWEGO |
| Legal Subdivision | CHURCHILL CLUB |
| Legal Lot Number | 508 |
| Jurisdiction | KENDALL IL |
| Township / Civil Division | OSWEGO |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 890103 |
743 Spires Dr is owned and occupied by two individuals who bought it in May 2022.
Source: Kendall County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 743 SPIRES DR, OSWEGO, IL 60543-4045 |
| 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.
| Date | Document |
|---|---|
| Apr 23, 2024 | Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC |
| May 18, 2022 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC |
| Dec 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage XCEED FINANCIAL CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 18, 2022 · Amount on File |
| Deed Sale | May 18, 2022 · Amount on File |
| Prior Sale | Sep 28, 2006 · Amount on File |
| Deed Document Number | 20228769 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 743 SPIRES DR, OSWEGO, IL 60543-4045 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 743 SPIRES DR, OSWEGO, IL 60543-4045 |
| Document Number | 0000004311 |
|---|---|
| Date | Apr 23, 2024 |
| Instrument | 202400004311 |
| Name | LOANCARE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 3637 SENTARA WAY, VIRGINIA BEACH, VA 23452 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | May 1, 2064 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENDALL IL |
| Recording Date | May 18, 2022 |
| Property Address | 743 SPIRES DR, OSWEGO, IL 60543-4045 |
| Document Number | 0000008769 |
| Map Reference | DOC 200500017199 |
| Instrument Date | May 10, 2022 |
| Instrument | 202200008769 |
| Transaction Type | Transfer |
| Record Updated | May 26, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $422.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 743 SPIRES DR, OSWEGO, IL 60543-4045 |
| Document Number | 0000008770 |
|---|---|
| Date | May 18, 2022 |
| Instrument | 202200008770 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENDALL IL |
| Property Address | 743 SPIRES DR, OSWEGO, IL 60543-4045 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0000026529 |
|---|---|
| Date | Dec 21, 2020 |
| Instrument | 202000026529 |
| Name | XCEED FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | EL SEGUNDO, CA 90245 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2036 |
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 | $133,944 Land $27,977 Building $105,967 | $401,832 Land $83,931 Building $317,901 | |
| 2024 | $9,782.00 | ||
| 2022 | $9,027.00 | $104,494 Land $21,826 Building $82,668 | $313,482 Land $65,478 Building $248,004 |
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 743 Spires 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.
Wildfire risk around 743 Spires Dr 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 98% of the US · lower than 86% 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.
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 263 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 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 1,000 / 75 |
| Watch TV Fixed Wireless | 400 / 40 |
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