217 Liberty St, Gardner, IL 60424 Property Records

Grundy County property record for 217 Liberty St, Gardner, IL 60424

Property Summary

Property Type	Commercial
Lot Size	0.26 acres (11,326 sqft)
Owner	Company Name on File
Last Sale	$340,000 (Jan 2021)
Tax Bill	$3,686 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jan 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`12-04-453-009`

Property Details

APN / Parcel Number

Primary APN	`12-04-453-009`

Exterior

Lot Area	11,326 sqft (0.26 acres)

Location & Zoning

Street Address	217 LIBERTY ST
City	GARDNER
State	IL
Zip	60424
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	ORIG TN GARDNER LT 11 BLK 13 SEC 4-31-8
Legal Range	08W
Legal Township	31N
Legal Section	04
Legal Subdivision	ORIGINAL TOWN GARDNER
Legal Block	13
Legal Lot Number	11
Jurisdiction	GRUNDY IL
Township / Civil Division	GARFIELD
Census Block Group	3
Census Block	3017
Census Tract	900

Owner

217 Liberty St, a commercial property, is owned by a company that bought it in January 2021.

Source: Grundy County records, as of June 30, 2026

Owner of Record	Company Name on File
Mailing Address	219 LIBERTY ST, GARDNER, IL 60424-9427
Owner Type	Company
Vesting	Company

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

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST FSB
Jan 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST FSB
Jan 7, 2021	Warranty Deed, Transfer
Dec 20, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 5, 2017	Loan Modification, Mortgage FIRST MIDWEST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2021 · Amount on File
Deed Sale	Jan 7, 2021 · Amount on File
Prior Sale	Nov 9, 2020 · Amount on File
Deed Document Number	2021599436
Prior Transfer Date	Sep 25, 2019
Prior Transfer Doc	0000589547
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRUNDY IL
Property Address	217 LIBERTY ST, GARDNER, IL 60424
Transaction Type	Mortgage
Record Updated	Jun 30, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000610809
Date	Jan 24, 2022
Instrument	610809

Lender

Name	FIRST FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Feb 1, 2027

Interest

Rate Type	Fixed Rate

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRUNDY IL
Property Address	217 LIBERTY ST, GARDNER, IL 60424
Transaction Type	Mortgage
Record Updated	Jun 30, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000610806
Date	Jan 24, 2022
Instrument	610806

Lender

Name	FIRST FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Feb 1, 2027

Interest

Rate Type	Fixed Rate

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRUNDY IL
Recording Date	Jan 7, 2021
Property Address	217 LIBERTY ST, GARDNER, IL 60424
Document Number	0000599436
Instrument Date	Nov 11, 2020
Instrument	599436
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount on Record
Tax	$510.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 N STATE ROUTE 53, GARDNER, IL 60424-7117

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GRUNDY IL
Recording Date	Dec 20, 2019
Property Address	217 LIBERTY ST, GARDNER, IL 60424
Document Number	0000589547
Instrument Date	Sep 25, 2019
Instrument	589547
Transaction Type	Transfer
Record Updated	Jan 16, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 WESTWOOD CT SHOREWOOD IL 604049430, SHOREWOOD, IL 60404-9430

September 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	GRUNDY IL
Property Address	217 LIBERTY ST, GARDNER, IL 60424
Document Number	0000575228
Instrument Date	Sep 5, 2017
Transaction Type	Mortgage
Record Updated	Aug 30, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	2801 W JEFFERSON ST JOLIET IL 604355299, JOLIET, IL 60435-5299

Mortgage

Document Number	0000575228
Date	Jan 22, 2018
Instrument	575228

Lender

Name	FIRST MIDWEST BK
Type	Bank
Address	ITASCA, IL 60143

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 217 Liberty St was $3,686.

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	$3,686.00	$44,971 Land $7,678 Building $37,293	$134,913 Land $23,034 Building $111,879
2022	$2,828.00	$34,509 Land $5,892 Building $28,617	$103,527 Land $17,676 Building $85,851

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 217 Liberty St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

The area around 217 Liberty 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 216 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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