109 W Washington St, Gardner, IL 60424 Property Records

Grundy County property record for 109 W Washington St, Gardner, IL 60424

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,215 sqft · built 1916
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on File
Last Sale	$289,900 (Feb 2024)
Tax Bill	$4,335 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-04-406-012`

Property Details

APN / Parcel Number

Primary APN	`12-04-406-012`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,215 sqft Total Area

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Architectural Style	Bungalow
Exterior Material	Brick
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	160 ft deep x 75 ft wide
Garage Type	Detached
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	109 W WASHINGTON ST
City	GARDNER
State	IL
Zip	60424-7030
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG TN GARDNER E1/2 LT 18 & ALL LT 19 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	18-19
Jurisdiction	GRUNDY IL
Township / Civil Division	GARFIELD
Census Block Group	3
Census Block	3013
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	20 LARCH ST, MANCHESTER, IL 62663
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2024	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC
Apr 26, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Nov 20, 2020	Deed of Trust, Mortgage · FHA Mortgage BROKERS SOLUTIONS INC
Dec 21, 2017	Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 26, 2024 · Amount on Record
Deed Sale	Feb 26, 2024 · Amount on Record
Prior Sale	Dec 21, 2017 · Amount on Record
Deed Document Number	2024624135
Record Updated	Sep 20, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRUNDY IL
Recording Date	Feb 26, 2024
Property Address	109 W WASHINGTON ST, GARDNER, IL 60424-7030
Document Number	0000624135
Instrument Date	Feb 7, 2024
Instrument	624135
Transaction Type	Transfer
Record Updated	Mar 13, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$435.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	109 W WASHINGTON ST, GARDNER, IL 60424-7030

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 W WASHINGTON ST, GARDNER, IL 60424-7030

Mortgage

Document Number	0000624136
Date	Feb 26, 2024
Instrument	624136

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2044

Interest

Rate Type	Fixed Rate
Rate	6.25%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRUNDY IL
Property Address	109 W WASHINGTON ST, GARDNER, IL 60424-7030
Transaction Type	Mortgage
Record Updated	May 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000612777
Date	Apr 26, 2022
Instrument	612777

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRUNDY IL
Property Address	109 W WASHINGTON ST, GARDNER, IL 60424-7030
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000598065
Date	Nov 20, 2020
Instrument	598065

Lender

Name	BROKERS SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	GRUNDY IL
Recording Date	Dec 21, 2017
Property Address	109 W WASHINGTON ST, GARDNER, IL 60424-7030
Document Number	0000574652
Instrument Date	Dec 15, 2017
Instrument	574652
Transaction Type	Transfer
Record Updated	Jul 5, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$309.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8755 E RICE RD, 8755, GARDNER, IL 60424-6307

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	109 W WASHINGTON ST, GARDNER, IL 60424-7030

Mortgage

Document Number	0000574653
Date	Dec 21, 2017
Instrument	574653

Lender

Name	BROKER SOLUTIONS INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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	$4,335.00 (+52.91%)	$52,900 (+30.32%) Land $9,619 Building $43,281	$158,700 (+30.32%) Land $28,857 Building $129,843
2022	$2,835.00 Homeowner's exemption	$40,592 Land $7,381 Building $33,211	$121,776 Land $22,143 Building $99,633

Assessed value is set for property tax purposes, not a market price estimate; it is 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

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 Electronics Systems Cable	2,500 / 50

May also be available: Benton Ridge Telephone Company, Verizon.

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