103 N Center St, Gardner, IL 60424 Property Records

Grundy County property record for 103 N Center St, Gardner, IL 60424

Property Summary

Property Type	Single Family Home
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (Jun 2021)
Tax Bill	$5,508 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-04-463-011`

Property Details

APN / Parcel Number

Primary APN	`12-04-463-011`

Exterior

Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	130 ft deep x 65 ft wide

Utilities, Heating & Cooling

Water Source	Commercial

Location & Zoning

Street Address	103 N CENTER ST
City	GARDNER
State	IL
Zip	60424-6152
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG TN GARDNER E118' S8' LT 15 & E118' LT 16 BLK 21 SEC 4-31-8
Legal Range	08W
Legal Township	31N
Legal Section	04
Legal Subdivision	ORIGINAL TOWN GARDNER
Legal Block	21
Legal Lot Number	15-16
Jurisdiction	GRUNDY IL
Township / Civil Division	GARFIELD
Census Block Group	4
Census Block	4021
Census Tract	900

Owner

Source: Grundy County assessment roll, as of June 30, 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 File
Mailing Address	103 N CENTER ST, GARDNER, IL 60424-6152
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage GRUNDY BANK
Jun 21, 2021	Warranty Deed, Transfer · Conventional Mortgage GRUNDY BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 21, 2021 · Amount on Record
Deed Sale	Jun 21, 2021 · Amount on Record
Deed Document Number	2021604517
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRUNDY IL
Property Address	103 N CENTER ST, GARDNER, IL 60424-6152
Transaction Type	Mortgage
Record Updated	May 4, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000612549
Date	Apr 14, 2022
Instrument	612549

Lender

Name	GRUNDY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 6, 2027

Interest

Rate Type	Fixed Rate

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRUNDY IL
Recording Date	Jun 21, 2021
Property Address	103 N CENTER ST, GARDNER, IL 60424-6152
Document Number	0000604517
Map Reference	DOC 209594
Instrument Date	Jun 4, 2021
Instrument	604517
Transaction Type	Transfer
Record Updated	Jul 7, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$315.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 N CENTER ST, GARDNER, IL 60424-6152

Mortgage

Document Number	0000604518
Date	Jun 21, 2021
Instrument	604518

Lender

Name	GRUNDY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Grundy County assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Grundy County
County Subdivision	Garfield Township
Municipality	Gardner Village
Elementary School District	Gardner Community Consolidated School District 72C (KG - 08)
Secondary School District	Gardner-South Wilmington Township High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,508.00 (+47.47%)	$67,206 (+30.32%) Land $7,226 Building $59,980	$201,618 (+30.32%) Land $21,678 Building $179,940
2022	$3,735.00 Homeowner's exemption	$51,570 Land $5,545 Building $46,025	$154,710 Land $16,635 Building $138,075

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 30, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	12 (1982–2015)
Claims Outside the SFHA	2 of 12
Most Recent Claim	Jun 2015 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GARDNER serves 1,361 people · EPA ID IL0630400
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 187 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Kraus Electronic Systems Cable	2,500 / 50

May also be available: Verizon, Watch TV.

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