106 N Elm St, Gardner, IL 60424 Property Records

Grundy County property record for 106 N Elm St, Gardner, IL 60424 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	1,554 sqft · built 1900
Lot Size	0.49 acres (21,344 sqft)
Owner	Individual Name on File
Tax Bill	$4,083 (2025)
Deeds & Mortgages	May 2018 Mortgage
Flood Zone	Zone AE (high risk)
APN	`12-04-463-016`

Property Details

APN / Parcel Number

Primary APN	`12-04-463-016`
Alternative APN	`12-04-463-008&007`

Interior

Building Area	1,554 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	21,344 sqft (0.49 acres)
Total Buildings	2 Buildings

Location & Zoning

Street Address	106 N ELM ST
City	GARDNER
State	IL
Zip	60424
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORI TN GARDNER LTS 11 & 18 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	11,18
Jurisdiction	GRUNDY IL
Township / Civil Division	GARFIELD
Census Block Group	4
Census Block	4021
Census Tract	900

Owner

Source: Grundy County records · APN 12-04-463-016

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	106 N ELM ST, GARDNER, IL 60424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRUNDY IL
Property Address	106 N ELM ST, GARDNER, IL 60424
Transaction Type	Mortgage
Record Updated	Feb 07, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000577590
Date	May 25, 2018
Instrument	577590

Lender

Name	FIRST MIDWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 01, 2033

Interest

Rate Type	Fixed Rate

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,083.00 (+54.6%)	$49,825 (+30.32%) Land $15,164 Building $34,661	$149,475 (+30.32%) Land $45,492 Building $103,983
2022	$2,641.00 Homeowner's exemption	$38,233 Land $11,636 Building $26,597	$114,699 Land $34,908 Building $79,791

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 AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
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.