106 E Dwight St, Gardner, IL 60424 Property Records

Grundy County property record for 106 E Dwight St, Gardner, IL 60424

Property Summary

Property Type	Single Family Home
Lot Size	0.43 acres (18,731 sqft)
Owner	Individual Name on Record
Last Sale	$147,000 (Sep 2020)
Tax Bill	$5,994 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Sep 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-09-208-011`

Property Details

APN / Parcel Number

Primary APN	`12-09-208-011`

Exterior

Lot Area	18,731 sqft (0.43 acres)

Location & Zoning

Street Address	106 E DWIGHT ST
City	GARDNER
State	IL
Zip	60424-6199
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOVEJOYS SUB N140' E132' BLK 2 SEC 9-31-8
Legal Range	08W
Legal Township	31N
Legal Section	09
Legal Subdivision	LOVEJOYS SUBDIVISION
Legal Block	2
Jurisdiction	GRUNDY IL
Township / Civil Division	GARFIELD
Census Block Group	4
Census Block	4028
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	106 E DWIGHT ST, GARDNER, IL 60424-6199
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2024	Deed of Trust, Mortgage HUD
Sep 21, 2023	Deed of Trust, Mortgage HUD
Sep 14, 2020	Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS INC
Jun 13, 2017	Grant Deed, Transfer ATTORNEY'S TITLE, ATTORNEYS TITLE GUARANTY FUND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2020 · Amount on Record
Deed Sale	Sep 14, 2020 · Amount on Record
Prior Sale	Jun 13, 2017 · Amount on Record
Deed Document Number	2020595862
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRUNDY IL
Property Address	106 E DWIGHT ST, GARDNER, IL 60424-6199
Transaction Type	Mortgage
Record Updated	Apr 24, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000624721
Date	Apr 3, 2024
Instrument	624721

Lender

Name	HUD
Type	Government Agency

Agreement

Amount	Amount Recorded
Term	312 Months
Due	Sep 1, 2050

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRUNDY IL
Property Address	106 E DWIGHT ST, GARDNER, IL 60424-6199
Transaction Type	Mortgage
Record Updated	Oct 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000621638
Date	Sep 21, 2023
Instrument	621638

Lender

Name	HUD
Type	Government Agency

Agreement

Amount	Amount Recorded
Term	324 Months
Due	Sep 1, 2050

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRUNDY IL
Recording Date	Sep 14, 2020
Property Address	106 E DWIGHT ST, GARDNER, IL 60424-6199
Document Number	0000595862
Instrument Date	Jul 23, 2020
Instrument	595862
Transaction Type	Transfer
Record Updated	Jul 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 E DWIGHT ST, GARDNER, IL 60424-6199

Mortgage

Document Number	0000595863
Date	Sep 14, 2020
Instrument	595863

Lender

Name	QUICKEN LOANS INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate	3.63%

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GRUNDY IL
Recording Date	Jun 13, 2017
Property Address	106 E DWIGHT ST, GARDNER, IL 60424-6199
Document Number	0000570412
Instrument Date	Jun 7, 2017
Instrument	570412
Transaction Type	Transfer
Record Updated	Jun 29, 2017
Title Company	ATTORNEY'S TITLE, ATTORNEYS TITLE GUARANTY FUND

Transaction

Amount	Amount Recorded
Tax	$76.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	PO BOX 344 WILMINGTON IL 604810344, WILMINGTON, IL 60481-0344

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	$5,994.00 (+45.95%)	$73,130 (+30.32%) Land $15,886 Building $57,244	$219,390 (+30.32%) Land $47,658 Building $171,732
2022	$4,107.00 Homeowner's exemption	$56,116 Land $12,190 Building $43,926	$168,348 Land $36,570 Building $131,778

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 500 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 99.1% of the US · lower than 94% 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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