110 E Odell St, Gardner, IL 60424 Property Records

Grundy County property record for 110 E Odell St, Gardner, IL 60424

Property Summary

Property Type	Single Family Home
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (Jul 2026)
Tax Bill	$4,504 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-09-211-006`

Property Details

APN / Parcel Number

Primary APN	`12-09-211-006`

Exterior

Lot Area	7,841 sqft (0.18 acres)

Location & Zoning

Street Address	110 E ODELL ST
City	GARDNER
State	IL
Zip	60424-6186
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PECKS ADD GARDNER N1/2 LTS 7 & 8 SEC 9-31-8
Legal Range	08W
Legal Township	31N
Legal Section	09
Legal Subdivision	PECKS ADDITION
Legal Lot Number	7-8
Jurisdiction	GRUNDY IL
Township / Civil Division	GARFIELD
Census Block Group	4
Census Block	4034
Census Tract	900

Owner

110 E Odell St is owned and occupied by an individual who bought it in July 2026.

Source: Grundy County records, as of August 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	110 E ODELL ST, GARDNER, IL 60424-6186
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Warranty Deed, Transfer · Conventional Mortgage LIFESTONE MORTGAGE CORPORATION
Jan 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN COMMERCIAL BANK & TRT
Jan 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK OF GRAYMONT
Jan 16, 2020	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2026 · Amount on File
Deed Sale	Jul 29, 2026 · Amount on File
Prior Sale	Jan 16, 2020 · Amount on File
Deed Document Number	2026640429
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRUNDY IL
Recording Date	Jul 29, 2026
Property Address	110 E ODELL ST, GARDNER, IL 60424-6186
Document Number	0000640429
Instrument Date	Jul 10, 2026
Instrument	2026640429
Transaction Type	Transfer
Record Updated	Aug 20, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31,815.00
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	110 E ODELL ST, GARDNER, IL 60424-6186

Mortgage

Document Number	0000640430,
Date	Jul 29, 2026
Instrument	2026640430

Lender

Name	LIFESTONE MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRUNDY IL
Property Address	110 E ODELL ST, GARDNER, IL 60424-6186
Transaction Type	Mortgage
Record Updated	Mar 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000610304
Date	Jan 4, 2022
Instrument	610304

Lender

Name	AMERICAN COMMERCIAL BANK & TRT
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	252 Months
Due	Feb 1, 2042

Interest

Rate Type	Fixed Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRUNDY IL
Property Address	110 E ODELL ST, GARDNER, IL 60424-6186
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000589782
Date	Jan 3, 2020
Instrument	589782

Lender

Name	STATE BANK OF GRAYMONT
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRUNDY IL
Recording Date	Jan 16, 2020
Property Address	110 E ODELL ST, GARDNER, IL 60424-6186
Document Number	0000590124
Instrument Date	Jan 13, 2020
Instrument	590124
Transaction Type	Transfer
Record Updated	Jul 5, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.25
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	110 E ODELL ST, GARDNER, IL 60424-6186

Mortgage

Document Number	0000590125
Date	Jan 16, 2020
Instrument	590125

Lender

Name	FLAGSTAR BANK FSB

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	4.38%

Tax Assessment & Valuation

The 2025 property tax bill for 110 E Odell St was $4,504 with a homeowner's exemption.

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	$4,504.00	$54,954 Land $9,437 Building $45,517	$164,862 Land $28,311 Building $136,551
2022	$2,964.00 Homeowner's exemption	$42,169 Land $7,242 Building $34,927	$126,507 Land $21,726 Building $104,781

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

FEMA maps place 110 E Odell St in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1982.

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
Flood Insurance Cost	Premium on File 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

The area around 110 E Odell St has no burnable land within ember reach, so its wildfire risk is not rated.

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 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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