307 W Main St, Gardner, IL 60424 Property Records

Grundy County property record for 307 W Main St, Gardner, IL 60424

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,097 sqft · built 2009
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Oct 2026)
Tax Bill	$7,984 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-04-380-011`

Property Details

APN / Parcel Number

Primary APN	`12-04-380-011`

Interior

Bedrooms	3 Beds
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,097 sqft Total Area

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Lot Area	16,117 sqft (0.37 acres)
Lot Dimensions	264 ft deep x 60 ft wide

Utilities, Heating & Cooling

Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	307 W MAIN ST
City	GARDNER
State	IL
Zip	60424-7104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILLIS ADD LT 16 (EX W6') BLK 1 SEC 4-31-8
Legal Range	08W
Legal Township	31N
Legal Section	04
Legal Subdivision	WILLIS ADDITION
Legal Block	1
Legal Lot Number	16
Jurisdiction	GRUNDY IL
Township / Civil Division	GARFIELD
Census Block Group	3
Census Block	3008
Census Tract	900

Owner

307 W Main St is owned and occupied by two individuals who bought it in October 2026.

Source: Grundy County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	386 S FRONT ST, BRAIDWOOD, IL 60408-2005
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Oct 2, 2026	Warranty Deed, Transfer · Conventional Mortgage NUMARK CREDIT UNION
Oct 27, 2022	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Dec 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST MIDWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2026 · Amount on File
Deed Sale	Oct 2, 2026 · Amount on File
Prior Sale	Oct 27, 2022 · Amount on File
Deed Document Number	2026641796
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRUNDY IL
Recording Date	Oct 2, 2026
Property Address	307 W MAIN ST, GARDNER, IL 60424-7104
Document Number	0000641796
Instrument Date	Aug 20, 2026
Instrument	2026641796
Transaction Type	Transfer
Record Updated	Oct 13, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$58,327.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	386 S FRONT ST, BRAIDWOOD, IL 60408-2005

Mortgage

Document Number	0000641797,
Date	Oct 2, 2026
Instrument	2026641797

Lender

Name	NUMARK CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.88%
Initial Type	Fixed Rate
Max Rate	-1%

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRUNDY IL
Recording Date	Oct 27, 2022
Property Address	307 W MAIN ST, GARDNER, IL 60424-7104
Document Number	0000616445
Instrument Date	Jun 15, 2022
Instrument	616445
Transaction Type	Transfer
Record Updated	Jun 1, 2023
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$481.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 W MAIN ST, GARDNER, IL 60424-7104

Mortgage

Document Number	0000616446
Date	Oct 27, 2022
Instrument	616446

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2020
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.2%
Index	1-Year CMT
Max Rate	10.2%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRUNDY IL
Property Address	307 W MAIN ST, GARDNER, IL 60424-7104
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000598553
Date	Dec 7, 2020
Instrument	598553

Lender

Name	FIRST MIDWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 307 W Main St was $7,984 with a homeowner's exemption, up 5.5% from the year before.

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	$7,984.00 (+5.47%) Homeowner's exemption	$97,416 (+5.47%) Land $8,459 Building $88,957	$292,248 (+5.47%) Land $25,377 Building $266,871
2024	$7,570.00	$92,363 Land $8,020 Building $84,343	$277,089 Land $24,060 Building $253,029
2022	$5,635.00 Homeowner's exemption	$74,752 Land $6,491 Building $68,261	$224,256 Land $19,473 Building $204,783

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

FEMA maps place 307 W Main 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

Wildfire risk around 307 W Main St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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.

Nearby Properties on W Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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