314 N Cedar St, Gardner, IL 60424 Property Records

Grundy County property record for 314 N Cedar St, Gardner, IL 60424

Property Summary

Property Type	Single Family Home
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Jun 2025)
Tax Bill	$2,333 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-04-483-005`

Property Details

APN / Parcel Number

Primary APN	`12-04-483-005`

Exterior

Lot Area	8,276 sqft (0.19 acres)

Location & Zoning

Street Address	314 N CEDAR ST
City	GARDNER
State	IL
Zip	60424-7073
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG TN GARDNER LT 3 (EX E80') 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	3
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	36120 S ESSEX RD, WILMINGTON, IL 60481-9513
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Jul 2, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Apr 13, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2025 · Amount on Record
Deed Sale	Jun 24, 2025 · Amount on Record
Prior Sale	Jul 2, 2021 · Amount on Record
Deed Document Number	2025632479
Prior Transfer Date	Dec 11, 2013
Prior Transfer Doc	0000543915
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRUNDY IL
Property Address	314 N CEDAR ST, GARDNER, IL 60424-7073
Transaction Type	Mortgage
Record Updated	Oct 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000599648
Date	Jan 12, 2021
Instrument	599648

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRUNDY IL
Recording Date	Jul 2, 2021
Property Address	314 N CEDAR ST, GARDNER, IL 60424-7073
Document Number	0000605019
Instrument Date	May 24, 2021
Instrument	605019
Transaction Type	Transfer
Record Updated	Oct 11, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$204.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 N CEDAR ST, GARDNER, IL 60424-7073

Mortgage

Document Number	0000605020
Date	Jul 2, 2021
Instrument	605020

Lender

Name	GUARANTEED RATE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	3.63%

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRUNDY IL
Recording Date	Apr 13, 2021
Property Address	314 N CEDAR ST, GARDNER, IL 60424-7073
Document Number	0000602404
Instrument Date	Jan 20, 2016
Instrument	602404
Transaction Type	Transfer
Record Updated	Oct 11, 2022

Transaction

Amount	Amount Recorded
Tax	$215.25
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 N CEDAR ST, GARDNER, IL 60424-7073

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	$2,333.00 (+79.74%)	$28,467 (+30.32%) Land $6,362 Building $22,105	$85,401 (+30.32%) Land $19,086 Building $66,315
2022	$1,298.00 Homeowner's exemption	$21,844 Land $4,882 Building $16,962	$65,532 Land $14,646 Building $50,886

Assessed value is set for property tax purposes, not a market price estimate; it is 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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