304 N Cedar St, Gardner, IL 60424 Property Records

Grundy County property record for 304 N Cedar St, Gardner, IL 60424

Property Summary

Property Type	Single Family Home
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (Jul 2021)
Tax Bill	$3,808 (2025)
Deeds & Mortgages	Oct 2023 Transfer Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-04-483-009`

Property Details

APN / Parcel Number

Primary APN	`12-04-483-009`

Exterior

Lot Area	10,454 sqft (0.24 acres)

Location & Zoning

Street Address	304 N CEDAR ST
City	GARDNER
State	IL
Zip	60424-7073
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORI TN GARDNER LT 9 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	9
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	304 N CEDAR ST, GARDNER, IL 60424-7073
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2023	Quit Claim Deed, Transfer Quitclaim
Jul 8, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST MIDWEST BANK
Mar 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage ILLINOIS ST CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2021 · Amount on Record
Deed Sale	Jul 8, 2021 · Amount on Record
Deed Document Number	2021605190
Last Transfer Date	Aug 9, 2023
Transfer Doc	0000622219
Record Updated	Oct 29, 2026

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GRUNDY IL
Recording Date	Oct 25, 2023
Property Address	304 N CEDAR ST, GARDNER, IL 60424-7073
Document Number	0000622219
Instrument Date	Aug 9, 2023
Instrument	622219
Transaction Type	Transfer
Record Updated	Nov 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 N CEDAR ST, GARDNER, IL 60424

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRUNDY IL
Recording Date	Jul 8, 2021
Property Address	304 N CEDAR ST, GARDNER, IL 60424-7073
Document Number	0000605190
Instrument Date	May 20, 2021
Instrument	605190
Transaction Type	Transfer
Record Updated	Nov 22, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 N CEDAR ST, GARDNER, IL 60424-7073

Mortgage

Document Number	0000605191
Date	Jul 8, 2021
Instrument	605191

Lender

Name	FIRST MIDWEST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	2.5%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRUNDY IL
Property Address	304 N CEDAR ST, GARDNER, IL 60424-7073
Document Number	0000576346
Instrument Date	Mar 7, 2018
Transaction Type	Mortgage
Record Updated	Apr 10, 2018
Title Company	MCLEAN COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	304 N CEDAR ST GARDNER IL 604247073, GARDNER, IL 60424-7073

Mortgage

Document Number	0000576346
Date	Mar 26, 2018
Instrument	576346

Lender

Name	ILLINOIS ST CU
Address	BLOOMINGTON, IL 61704

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 25, 2028

Interest

Rate Type	Fixed Rate
Rate	3.62%

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	$3,808.00 (+56.71%)	$46,465 (+30.32%) Land $7,001 Building $39,464	$139,395 (+30.32%) Land $21,003 Building $118,392
2022	$2,430.00 Homeowner's exemption	$35,655 Land $5,373 Building $30,282	$106,965 Land $16,119 Building $90,846

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.

Nearby Properties on N Cedar St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures