104 N Elm St, Gardner, IL 60424 Property Records

Grundy County property record for 104 N Elm St, Gardner, IL 60424 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	1,552 sqft · built 1975
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Tax Bill	$6,267 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-04-463-012`

Property Details

APN / Parcel Number

Primary APN	`12-04-463-012`

Interior

Building Area	1,552 sqft Total Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Lot Area	11,326 sqft (0.26 acres)

Location & Zoning

Street Address	104 N ELM ST
City	GARDNER
State	IL
Zip	60424-6292
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG TN GARDNER W1/2 LTS 19 & 20 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	19-20
Jurisdiction	GRUNDY IL
Township / Civil Division	GARFIELD
Census Block Group	4
Census Block	4021
Census Tract	900

Owner

Source: Grundy County records · APN 12-04-463-012

Assessment roll updated June 30, 2026 · Last verified July 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	104 N ELM ST, GARDNER, IL 60424-6292
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Nov 12, 2013
Transfer Doc	0000543479
Record Updated	Sep 20, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRUNDY IL
Recording Date	Nov 17, 2021
Property Address	104 N ELM ST, GARDNER, IL 60424-6292
Document Number	0000609041
Instrument Date	Nov 02, 2021
Instrument	609041
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$244.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	104 N ELM ST, GARDNER, IL 60424-6292

Mortgage

Document Number	0000609042
Date	Nov 17, 2021
Instrument	609042

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate	2.99%

Tax Assessment & Valuation

Source: Grundy County records · Assessment roll updated June 30, 2026 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,267.00 (+45.17%)	$76,461 (+30.32%) Land $9,735 Building $66,726	$229,383 (+30.32%) Land $29,205 Building $200,178
2022	$4,317.00 Homeowner's exemption	$58,672 Land $7,470 Building $51,202	$176,016 Land $22,410 Building $153,606

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Grundy County (17063C), updated September 30, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170630009004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 12 individual NFIP policies nearby
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

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 216 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Kraus Electronics Systems	Cable	2,500 / 50

May also be available at this address: Benton Ridge Telephone Company, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.