316 N Cedar St, Gardner, IL 60424 Property Records

Grundy County property record for 316 N Cedar St, Gardner, IL 60424

Property Summary

Property Type	Single Family Home
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$110,000 (Jul 2020)
Tax Bill	$2,676 (2025)
Deeds & Mortgages	May 2026 Mortgage Feb 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-04-483-004`

Property Details

APN / Parcel Number

Primary APN	`12-04-483-004`

Exterior

Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	151 ft deep x 50 ft wide

Utilities, Heating & Cooling

Water Source	Commercial

Location & Zoning

Street Address	316 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 2 (EX E86') 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	2
Jurisdiction	GRUNDY IL
Township / Civil Division	GARFIELD
Census Block Group	3
Census Block	3023
Census Tract	900

Owner

Source: Grundy County records, as of August 12, 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	316 N CEDAR ST, GARDNER, IL 60424-7073
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Feb 14, 2023	Deed of Trust, Mortgage HUD
Jul 22, 2020	Warranty Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP
Jun 23, 2017	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2020 · Amount on Record
Deed Sale	Jul 22, 2020 · Amount on Record
Deed Document Number	2020594247
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRUNDY IL
Recording Date	May 12, 2026
Property Address	316 N CEDAR ST, GARDNER, IL 60424-7073
Document Number	0000638726
Instrument Date	May 5, 2026
Instrument	2026638726
Transaction Type	Mortgage
Record Updated	Aug 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 N CEDAR ST, GARDNER, IL 60424-7073
Investor	Possibly a Property Investor

Mortgage

Document Number	0000638726,
Date	May 12, 2026
Instrument	2026638726

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2051

Interest

Rate	6.37%
Max Rate	-1%

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRUNDY IL
Property Address	316 N CEDAR ST, GARDNER, IL 60424-7073
Transaction Type	Mortgage
Record Updated	Mar 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000618067
Date	Feb 14, 2023
Instrument	618067

Lender

Name	HUD
Type	Government Agency

Agreement

Amount	Amount Recorded

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRUNDY IL
Recording Date	Jul 22, 2020
Property Address	316 N CEDAR ST, GARDNER, IL 60424-7073
Document Number	0000594247
Instrument Date	Jul 10, 2020
Instrument	594247
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	$165.00
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	316 N CEDAR ST, GARDNER, IL 60424-7073

Mortgage

Document Number	0000594248
Date	Jul 22, 2020
Instrument	594248

Lender

Name	ACADEMY MORTGAGE CORP

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	3%

Mortgage

Document Number	0000594249
Date	Jul 22, 2020
Instrument	594249

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRUNDY IL
Property Address	316 N CEDAR ST, GARDNER, IL 60424-7073
Document Number	0000571036
Instrument Date	Jun 23, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018
Title Company	PRECISION TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	316 N CEDAR ST GARDNER IL 604247073, GARDNER, IL 60424-7073

Mortgage

Document Number	0000571036
Date	Jul 10, 2017
Instrument	571036

Lender

Name	MORTGAGE SVCS
Type	Mortgage Company
Address	BLOOMINGTON, IL 61704

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jul 9, 2042

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	$2,676.00 (+71.32%)	$32,660 (+30.32%) Land $6,234 Building $26,426	$97,980 (+30.32%) Land $18,702 Building $79,278
2022	$1,562.00 Homeowner's exemption	$25,062 Land $4,784 Building $20,278	$75,186 Land $14,352 Building $60,834

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
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 97% of the US · lower than 79% 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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