105 W Washington St, Gardner, IL 60424 Property Records

Grundy County property record for 105 W Washington St, Gardner, IL 60424

Property Summary

Property Type	Single Family Home
Details	1,988 sqft · built 1900
Lot Size	0.37 acres (16,117 sqft)
Owner	Individual Name on Record
Tax Bill	$5,062 (2025)
Deeds & Mortgages	Dec 2018 Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-04-406-013`

Property Details

APN / Parcel Number

Primary APN	`12-04-406-013`

Interior

Building Area	1,988 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	16,117 sqft (0.37 acres)

Location & Zoning

Street Address	105 W WASHINGTON ST
City	GARDNER
State	IL
Zip	60424-7045
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG TN GARDNER LTS 20 & 21 BLK 6 SEC 4-31-8
Legal Range	08W
Legal Township	31N
Legal Section	04
Legal Subdivision	ORIGINAL TOWN GARDNER
Legal Block	6
Legal Lot Number	20-21
Jurisdiction	GRUNDY IL
Township / Civil Division	GARFIELD
Census Block Group	3
Census Block	3013
Census Tract	900

Owner

Source: Grundy County records, 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 Record
Mailing Address	105 W WASHINGTON ST, GARDNER, IL 60424-7045
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2018	Deed of Trust, Mortgage · ARM FIRST FSB
Sep 2, 2020	Deed of Trust, Mortgage · Conventional with PMI FIRST FED'L SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRUNDY IL
Property Address	105 W WASHINGTON ST, GARDNER, IL 60424-7045
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000582092
Date	Dec 31, 2018
Instrument	582092

Lender

Name	FIRST FSB
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.5%
Index	1-Year CMT

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRUNDY IL
Property Address	105 W WASHINGTON ST, GARDNER, IL 60424-7045
Document Number	0000595898
Instrument Date	Sep 2, 2020
Transaction Type	Mortgage
Record Updated	Sep 24, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 W WASHINGTON ST GARDNER IL 604247045, GARDNER, IL 60424-7045

Mortgage

Document Number	0000595898
Date	Sep 16, 2020
Instrument	595898

Lender

Name	FIRST FED'L SVGS BK
Type	Federal Savings Bank
Address	OTTAWA, IL 61350

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2050

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	$5,062.00 (+69.69%)	$61,764 (+30.32%) Land $12,752 Building $49,012	$185,292 (+30.32%) Land $38,256 Building $147,036
2022	$2,983.00 Homeowner's exemption	$47,394 Land $9,785 Building $37,609	$142,182 Land $29,355 Building $112,827

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2015)
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	Not rated no burnable land within 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 216 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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