214 N Cedar St, Gardner, IL 60424 Property Records

Grundy County property record for 214 N Cedar St, Gardner, IL 60424

Property Summary

Property Type	Single Family Home
Details	2,088 sqft · built 1890
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on Record
Last Sale	$237,200 (Jul 2025)
Tax Bill	$5,367 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-04-483-010`

Property Details

APN / Parcel Number

Primary APN	`12-04-483-010`

Interior

Building Area	2,088 sqft Total Area

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Lot Area	14,375 sqft (0.33 acres)

Location & Zoning

Street Address	214 N CEDAR ST
City	GARDNER
State	IL
Zip	60424-7058
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG TN GARDNER LT 10 BLK 27 SEC 4-31-8
Legal Range	08W
Legal Township	31N
Legal Section	04
Legal Subdivision	ORIGINAL TOWN GARDNER
Legal Block	27
Legal Lot Number	10
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	24321 S WILLIAM DR, MANHATTAN, IL 60442-8464
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2025	Warranty Deed, Transfer · FHA Mortgage ALLIANT CU
Jun 21, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Oct 8, 2020	Deed of Trust, Mortgage · Commercial Mortgage GRUNDY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2025 · Amount on Record
Deed Sale	Jul 30, 2025 · Amount on Record
Prior Sale	Jun 21, 2021 · Amount on Record
Deed Document Number	2025633212
Prior Transfer Date	Oct 20, 2014
Prior Transfer Doc	0000550569
Record Updated	Oct 29, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRUNDY IL
Recording Date	Jul 30, 2025
Property Address	214 N CEDAR ST, GARDNER, IL 60424-7058
Document Number	0000633212
Instrument Date	Jun 25, 2025
Instrument	633212
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$356.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	214 N CEDAR ST, GARDNER, IL 60424-7058

Mortgage

Document Number	0000633213
Date	Jul 30, 2025
Instrument	633213

Lender

Name	ALLIANT CU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.38%

June 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	GRUNDY IL
Recording Date	Jun 21, 2021
Property Address	214 N CEDAR ST, GARDNER, IL 60424-7058
Document Number	0000604537
Instrument Date	Apr 19, 2021
Instrument	604537
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$192.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	214 N CEDAR ST, GARDNER, IL 60424-7058
Investor	Possibly a Property Investor

Mortgage

Document Number	0000604538
Date	Jun 21, 2021
Instrument	604538

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRUNDY IL
Property Address	214 N CEDAR ST, GARDNER, IL 60424-7058
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000596664
Date	Oct 8, 2020
Instrument	596664

Lender

Name	GRUNDY BANK
Type	Bank

Agreement

Type	Commercial 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	$5,367.00 (+30.3%)	$65,489 (+30.32%) Land $6,418 Building $59,071	$196,467 (+30.32%) Land $19,254 Building $177,213
2022	$4,119.00	$50,253 Land $4,925 Building $45,328	$150,759 Land $14,775 Building $135,984

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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