306 E Main St, Gardner, IL 60424 Property Records

Grundy County property record for 306 E Main St, Gardner, IL 60424

Property Summary

Property Type	Single Family Home
Details	1,912 sqft · built 1900
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (May 2023)
Tax Bill	$5,621 (2025)
Deeds & Mortgages	May 2023 Sale Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-09-226-006`

Property Details

APN / Parcel Number

Primary APN	`12-09-226-006`

Interior

Building Area	1,912 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	19,602 sqft (0.45 acres)
Total Buildings	2 Buildings

Location & Zoning

Street Address	306 E MAIN ST
City	GARDNER
State	IL
Zip	60424-6155
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRICES ADD GARDNER N1/2 LT 3 SEC 9-31-8
Legal Range	08W
Legal Township	31N
Legal Section	09
Legal Subdivision	PRICES ADDITION
Legal Lot Number	3
Jurisdiction	GRUNDY IL
Township / Civil Division	GARFIELD
Census Block Group	4
Census Block	4027
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	306 E MAIN ST, GARDNER, IL 60424-6155
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2023	Warranty Deed, Transfer FIDELITY NATIONAL TITLE
Aug 13, 2020	Warranty Deed, Transfer · FHA Mortgage MUTUAL FEDERAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2023 · Amount on Record
Deed Sale	May 12, 2023 · Amount on Record
Prior Sale	Aug 13, 2020 · Amount on Record
Deed Document Number	2023619388
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRUNDY IL
Recording Date	May 12, 2023
Property Address	306 E MAIN ST, GARDNER, IL 60424-6155
Document Number	0000619388
Instrument Date	Apr 24, 2023
Instrument	619388
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 E MAIN ST, GARDNER, IL 60424-6155

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRUNDY IL
Recording Date	Aug 13, 2020
Property Address	306 E MAIN ST, GARDNER, IL 60424-6155
Document Number	0000594942
Instrument Date	Jul 22, 2020
Instrument	594942
Transaction Type	Transfer
Record Updated	Jul 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$218.25
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	306 E MAIN ST, GARDNER, IL 60424-6155

Mortgage

Document Number	0000594943
Date	Aug 13, 2020
Instrument	594943

Lender

Name	MUTUAL FEDERAL BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	3%

Mortgage

Document Number	0000594944
Date	Aug 13, 2020
Instrument	594944

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY
Type	Government Agency

Agreement

Type	Conventional 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	$5,621.00 (+47.11%)	$68,581 (+30.32%) Land $16,366 Building $52,215	$205,743 (+30.32%) Land $49,098 Building $156,645
2022	$3,821.00 Homeowner's exemption	$52,625 Land $12,558 Building $40,067	$157,875 Land $37,674 Building $120,201

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% 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 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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