202 N Cedar St, Gardner, IL 60424 Property Records

Grundy County property record for 202 N Cedar St, Gardner, IL 60424

Property Summary

Property Type	Single Family Home
Details	2 bd · 952 sqft · built 1915
Lot Size	0.32 acres (13,939 sqft)
Owner	Individual Name on Record
Tax Bill	$3,285 (2025)
Deeds & Mortgages	Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-04-483-037`

Property Details

APN / Parcel Number

Primary APN	`12-04-483-037`

Interior

Bedrooms	2 Beds
Total Rooms	5 Rooms
Stories	1 Story
Building Area	952 sqft Total Area

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Lot Area	13,939 sqft (0.32 acres)
Lot Dimensions	117 ft deep x 109 ft wide
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	202 N CEDAR ST
City	GARDNER
State	IL
Zip	60424-6257
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG TN GARDNER LTS 15 & 16 (EX E110') BLK 27 SEC 4-31-8
Legal Range	08W
Legal Township	31N
Legal Section	04
Legal Subdivision	GARDNER ORIGINAL TOWN
Legal Block	27
Legal Lot Number	15-16
Jurisdiction	GRUNDY IL
Township / Civil Division	GARFIELD
Census Block Group	3
Census Block	3023
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	202 N CEDAR ST, GARDNER, IL 60424-6257
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2019
Deed Sale	Jan 25, 2019
Deed Document Number	2019582493
Record Updated	Sep 20, 2026

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRUNDY IL
Recording Date	Jan 25, 2019
Property Address	202 N CEDAR ST, GARDNER, IL 60424-6257
Document Number	0000582493
Instrument Date	Jan 22, 2019
Instrument	582493
Transaction Type	Transfer
Record Updated	Mar 29, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	202 N CEDAR ST GARDNER IL 604246257, GARDNER, IL 60424-6257

Mortgage

Document Number	582494
Date	Jan 25, 2019
Instrument	582494

Lender

Name	MORTGAGE LENDERS/AMERICA
Type	Mortgage Company
Address	OVERLAND PARK, KS 66211

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 24, 2049

Interest

Rate Type	Fixed Rate
Rate	5.25%

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	$3,285.00 (+61.9%)	$40,087 (+30.32%) Land $12,667 Building $27,420	$120,261 (+30.32%) Land $38,001 Building $82,260
2022	$2,029.00 Homeowner's exemption	$30,761 Land $9,720 Building $21,041	$92,283 Land $29,160 Building $63,123

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	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 99 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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