CCN 146034 · Kendall County, Illinois
Pearl at the Tillers
4390 Route 71, Oswego, IL 60543
Pearl at the Tillers is a 105-bed for-profit nursing home in Oswego, Illinois, first certified for Medicare or Medicaid in 2002. CMS rates it 5 out of 5 stars overall in its September 2026 data, and it averaged 72.9 residents a day, about 69% of its certified beds. We found no FHA-insured Section 232 loan for it in HUD's healthcare endorsement database (fiscal 2001 onward).
Facility facts
- Certified beds
- 105
- Average residents per day
- 72.9 (69.4% of beds)
- Ownership type
- For profit - Limited Liability company
- Certification
- Medicare and Medicaid
- Legal business name
- Pearl of Oswego, LLC
- Certified since
- Oct 9, 2002
- Chain or affiliated group
- Pearl Healthcare (15 facilities, chain average 2.6 stars)
- Location
- Urban
Ratings and staffing
Star ratings run from 1 to 5. Staffing is nurse hours per resident per day from CMS Payroll Based Journal data; turnover is the CMS annual nursing staff turnover rate. Occupancy is CMS's average daily census divided by certified beds.
| Measure | This facility | Illinois median | US median |
|---|---|---|---|
| Overall rating | 5 of 5 | State spread: 245 at 1, 112 at 2, 103 at 3, 108 at 4, 93 at 5 | |
| Health inspections | 4 of 5 | ||
| Quality measures | 5 of 5 | ||
| Staffing | 2 of 5 | ||
| Total nurse hours per resident per day | 3.59 | 3.29 | 3.68 |
| RN hours per resident per day | 1.12 | 0.61 | 0.58 |
| Weekend nurse hours per resident per day | 3.04 | ||
| Nursing staff turnover | 42.4% | 43.4% | 44.9% |
| Occupancy (residents / beds) | 69.4% | 76.8% | 85.7% |
| Fines reported by CMS | None | ||
| Health deficiencies, latest standard survey | 7 (Mar 6, 2025) | ||
HUD 223(f) Express Lane: the CMS part
HUD gives 223(f) applications queue priority when the facility has CMS overall and health inspection ratings of at least 2 stars and no abuse icon, among other tests (ORCF criteria of March 31, 2026). Pearl at the Tillers meets that part today: 5 stars overall, 4 on health inspections, no abuse icon. The loan-to-value, coverage and operator tests depend on the deal. All the criteria.
Who owns and operates it
These are the owners and operators the facility reported to CMS: anyone with a 5% or greater direct or indirect stake, and any organization with operational or managerial control.
| Name | Role | Share | Since |
|---|---|---|---|
| Phc Oswego Holdings LLCOrganization | Direct Ownership Interest | 99% | 06/01/2023 |
| Edss Ventures LLCOrganization | Indirect Ownership Interest | 7% | 06/01/2023 |
| Zeffren, EitanIndividual | Operational / Managerial Control | n/a | 06/01/2023 |
Changes of ownership
| Effective | Buyer | Seller |
|---|---|---|
| Jun 1, 2023 | Pearl of Oswego, LLC | Symphony Oswego, LLC |
HUD Section 232 loans
No FHA-insured loan matching this facility appears in HUD's database of healthcare endorsements, which covers fiscal 2001 onward (HUD data run of July 8, 2026). A loan could still exist under a different project name or from before 2001.
Sources and dates
Facility, rating, staffing and ownership data: CMS Provider Information and CMS Ownership, processing date September 2026. Private equity, REIT and mortgage-interest flags and changes of ownership: CMS Skilled Nursing Facility All Owners and Change of Ownership files (2026-10-01). FHA-insured loans: HUD Office of Healthcare Programs endorsement database, data run July 8, 2026. How we join them, and what the join can get wrong: methodology.
SNF Register is independent. It is not affiliated with or endorsed by CMS, HUD or FHA. Spotted an error? Write to hello@hudskillednursing.loan.