3440 Cardinal Ln, Morris, IL 60450 Property Records

Grundy County property record for 3440 Cardinal Ln, Morris, IL 60450

Property Summary

Property Type	Single Family Home
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on File
Last Sale	$309,900 (May 2026)
Tax Bill	$5,348 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-16-428-002`

Property Details

APN / Parcel Number

Primary APN	`06-16-428-002`

Exterior

Lot Area	14,375 sqft (0.33 acres)

Location & Zoning

Street Address	3440 CARDINAL LN
City	MORRIS
State	IL
Zip	60450-9728
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SO GOOSE LAKE SUB 2 LT 30 SEC 16-33-8
Legal Range	08W
Legal Township	33N
Legal Section	16
Legal Subdivision	SO GOOSE LAKE SUBDIVISION
Legal Lot Number	30
Jurisdiction	GRUNDY IL
Township / Civil Division	GOOSE LAKE
Census Block Group	1
Census Block	1070
Census Tract	700

Owner

3440 Cardinal Ln is owned and occupied by an individual who bought it in May 2026.

Source: Grundy County records, as of August 13, 2026

Owner of Record	Individual Name on File
Mailing Address	601 2ND ST, EFFINGHAM, IL 62401
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

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
May 14, 2026	Warranty Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC
May 10, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA
Apr 8, 2021	Warranty Deed, Construction Loan · Construction Mortgage GUARANTEED RATE INC
Apr 9, 2020	Intrafamily Transfer, Transfer · FHA Mortgage CARDINAL FINANCIAL CO
Dec 4, 2016	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2026 · Amount on File
Deed Sale	May 14, 2026 · Amount on File
Prior Sale	Apr 8, 2021 · Amount on File
Deed Document Number	2026638784
Prior Transfer Date	Feb 10, 2020
Prior Transfer Doc	0000591646
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRUNDY IL
Recording Date	May 14, 2026
Property Address	3440 CARDINAL LN, MORRIS, IL 60450-9728
Document Number	0000638784
Instrument Date	Apr 24, 2026
Instrument	2026638784
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$46,949.85
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000638784,
Date	May 14, 2026
Instrument	2026638784

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRUNDY IL
Property Address	3440 CARDINAL LN, MORRIS, IL 60450-9728
Transaction Type	Mortgage
Record Updated	May 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000619365
Date	May 10, 2023
Instrument	619365

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 19, 2053

Interest

Rate Type	Fixed Rate
Rate	1.12%

April 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	GRUNDY IL
Recording Date	Apr 8, 2021
Property Address	3440 CARDINAL LN, MORRIS, IL 60450-9728
Document Number	0000602082
Map Reference	DOC 202147
Instrument Date	Jan 20, 2021
Instrument	602082
Transaction Type	Construction Loan
Record Updated	Jul 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$312.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3440 CARDINAL LN, MORRIS, IL 60450-9728

Mortgage

Document Number	0000602083
Date	Apr 8, 2021
Instrument	602083

Lender

Name	GUARANTEED RATE INC

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate	2.88%

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GRUNDY IL
Recording Date	Apr 9, 2020
Property Address	3440 CARDINAL LN, MORRIS, IL 60450-9728
Document Number	0000591646
Instrument Date	Feb 10, 2020
Instrument	591646
Transaction Type	Transfer
Record Updated	Jul 5, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000591647
Date	Apr 9, 2020
Instrument	591647

Lender

Name	CARDINAL FINANCIAL CO

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	3.75%

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRUNDY IL
Property Address	3440 CARDINAL LN, MORRIS, IL 60450-9728
Document Number	0000567185
Instrument Date	Dec 4, 2016
Transaction Type	Mortgage
Record Updated	Mar 24, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3440 CARDINAL LN MORRIS IL 604509728, MORRIS, IL 60450-9728

Mortgage

Document Number	0000567185
Date	Jan 3, 2017
Instrument	567185

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 2, 2047

Interest

Rate Type	Fixed Rate
Rate	4.12%

Tax Assessment & Valuation

The 2025 property tax bill for 3440 Cardinal Ln was $5,348 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	Goose Lake Township
Unified School District	Coal City Community Unit School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,348.00 (+5.48%) Homeowner's exemption	$104,903 (+5.47%) Land $15,958 Building $88,945	$314,709 (+5.47%) Land $47,874 Building $266,835
2024	$5,070.00	$99,462 Land $15,130 Building $84,332	$298,386 Land $45,390 Building $252,996
2022	$4,037.00 Homeowner's exemption	$85,190 Land $12,959 Building $72,231	$255,570 Land $38,877 Building $216,693

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 3440 Cardinal Ln in Zone X, an area of minimal flood risk, though there have been 110 flood claims nearby since 1978.

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
Flood Insurance Cost	Premium on File median of 26 policies
Nearby Flood Policies	26 in force
Nearby Flood Claims	110 (1978–2023)
Claims Outside the SFHA	4 of 110
Most Recent Claim	May 2023 · other causes
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 6 claims Severe Storms And Flooding, Sep 2008 · 20 claims Severe Storms & Flooding, Feb 1985 · 29 claims

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 3440 Cardinal Ln is low, with 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 80% of the US · above 71% of Illinois
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 168 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Watch TV.

Nearby Properties on Cardinal Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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