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Single Family ResidenceResidential
$689,934$190 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $576,000 on Jul 28, 2006

109 SPENCER LN

OSWEGO, IL 60543
4
Beds
2.5
Baths
3,626 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.37 ac
Lot SizeThe size of the land the home sits on, from county records.
2006
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
9
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$690K
$631K low$749K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$576,000 · Jul 28, 2006

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$16,225 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$218,007 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$30,258
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$187,749
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$207,626
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$654,021

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.25
72
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
27
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
27
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.46 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Bi-Level
CountyKENDALL
Lot (acres)The size of the land the home sits on, from county records.0.37
ConstructionThe main material the home's frame and walls are built from.Brick
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(5)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Prairie Point Elementary SchoolB+
Elementary · Grades KG–5 · 0.6 mi
M
Traughber Junior High SchoolB
Middle · Grades 6–8 · 0.7 mi
H
Oswego High SchoolB-
High · Grades 9–12 · 1.5 mi

District: Oswego Community Unit School District 308

Neighborhood · ZIP 60543These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.72
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.88
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.51

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.24%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.1%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.6%
PopulationHow many people live in this area.49,227
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,097 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$116,485
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$134,927
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.37 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.54%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 Spencer Ln measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 98% of homes in Kendall County
  • Bigger than 96% of homes in Oswego 60543
  • Has a bigger lot than 81% of homes in Oswego 60543
  • Newer than 80% of homes in Oswego 60543

What homes are worth in Oswego 60543

Each bar is how many homes fall in that price range. The marker is this home.

This home
$170K$714K

This home is worth more than 97% of homes in Oswego 60543.

How it measures up in Oswego 60543

The dot is this home. The mark in the middle is the typical home in Oswego 60543.

Estimated value$689,934
CheaperTypical $418,354Pricier

Pricier than 97% of homes nearby

Price per ft²$190
CheaperTypical $196Pricier

Pricier than 42% of homes nearby

Living area3,626 ft²
SmallerTypical 2,126 ft²Bigger

Bigger than 96% of homes nearby

Lot size0.37 ac
SmallerTypical 0.25 acBigger

Bigger than 81% of homes nearby

Year built2006
OlderTypical 2001Newer

Newer than 80% of homes nearby

How 109 Spencer Ln ranks against every home in each area.
MeasureThis homeOswego 60543Kendall County
Estimated valuepricier than$689,93497% of homes98% of homes
Price per ft²pricier than$19042% of homes47% of homes
Living areabigger than3,626 ft²96% of homes96% of homes
Lot sizebigger than0.37 ac81% of homes80% of homes
Year builtnewer than200680% of homes75% of homes

About 109 Spencer Ln

How much is 109 Spencer Ln, Oswego, IL worth?

The TopHap Estimate for 109 Spencer Ln, Oswego, IL is $689,934 as of Sep 24, 2026. The likely range is $631,218 to $748,650. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Spencer Ln, Oswego, IL last sell?

109 Spencer Ln, Oswego, IL last sold on Jul 28, 2006 for $576,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 109 Spencer Ln, Oswego, IL?

109 Spencer Ln, Oswego, IL has 4 bedrooms, 2.5 bathrooms, 3,626 square feet of living space and a 0.37-acre lot.

When was 109 Spencer Ln, Oswego, IL built?

109 Spencer Ln, Oswego, IL was built in 2006, making it 20 years old. It is a bi-level home. The building has 2 stories.

What schools serve 109 Spencer Ln, Oswego, IL?

109 Spencer Ln, Oswego, IL is assigned to Prairie Point Elementary School (elementary), rated B+; Traughber Junior High School (middle), rated B; Oswego High School (high), rated B-. All sit in Oswego Community Unit School District 308. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Spencer Ln, Oswego, IL compare to other homes in Oswego 60543?

Among the 13,625 homes in Oswego 60543, it is worth more than 97% of them ($689,934 against a typical $418,354), its price per square foot is higher than 42% of them ($190 against a typical $196), it is bigger than 96% of them (3,626 ft² against a typical 2,126 ft²), its lot is bigger than 81% of them (0.37 ac against a typical 0.25 ac) and it is newer than 80% of them (2006 against a typical 2001). Measured against all of Kendall County, it is worth more than 98% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 Spencer Ln, Oswego, IL?

The 2024 property tax bill for 109 Spencer Ln, Oswego, IL was $16,225. The county assessed it at $218,007.

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