402 E Main St, Gardner, IL 60424 Property Records

Grundy County property record for 402 E Main St, Gardner, IL 60424

Property Summary

Property Type	Single Family Home
Lot Size	0.38 acres (16,553 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Sep 2022)
Tax Bill	$1,148 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-09-229-001`

Property Details

APN / Parcel Number

Primary APN	`12-09-229-001`

Exterior

Lot Area	16,553 sqft (0.38 acres)
Lot Dimensions	107 ft deep x 185 ft wide

Location & Zoning

Street Address	402 E MAIN ST
City	GARDNER
State	IL
Zip	60424-6156
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRICES ADD BEG NE COR W2ACS LT 1 185 N & S X 107 E & W SEC 9-31-8
Legal Range	08W
Legal Township	31N
Legal Section	09
Legal Subdivision	PRICES ADDITION
Legal Lot Number	1
Jurisdiction	GRUNDY IL
Township / Civil Division	GARFIELD
Census Block Group	4
Census Block	4026
Census Tract	900

Owner

Source: Grundy County assessment roll, APN 12-09-229-001, as of June 30, 2026 · Last verified July 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 File
Mailing Address	402 E MAIN ST, GARDNER, IL 60424-6156
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 02, 2022 · Amount on Record
Deed Sale	Sep 02, 2022 · Amount on Record
Deed Document Number	2022615412
Record Updated	Sep 20, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRUNDY IL
Recording Date	Sep 02, 2022
Property Address	402 E MAIN ST, GARDNER, IL 60424-6156
Document Number	0000615412
Instrument Date	Aug 26, 2022
Instrument	615412
Transaction Type	Transfer
Record Updated	Sep 21, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 E MAIN ST, GARDNER, IL 60424-6156

Mortgage

Document Number	0000615413
Date	Sep 02, 2022
Instrument	615413

Lender

Name	CROSSCOUNTRY MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	5.95%

Tax Assessment & Valuation

Source: Grundy County assessment roll as of June 30, 2026 · Last verified July 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,148.00 (+30.31%)	$14,015 (+30.32%) Land $13,490 Building $525	$42,045 (+30.32%) Land $40,470 Building $1,575
2022	$881.00	$10,754 Land $10,351 Building $403	$32,262 Land $31,053 Building $1,209

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Grundy County (17063C), as of September 30, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170630009004, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection, 187 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Kraus Electronics Systems Cable	2,500 / 50

May also be available: Benton Ridge Telephone Company, Verizon.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system IL0630400, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	GARDNER serves 1,361 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.