404 Gardner St, Joliet, IL 60433 Property Records

Will County property record for 404 Gardner St, Joliet, IL 60433

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 764 sqft · built 1910
Lot Size	0.15 acres (6,578 sqft)
Owner	Individual Name on File
Last Sale	$8,500 (Aug 2012)
Tax Bill	$4,093 (2025)
Deeds & Mortgages	Jun 2018 Line of Credit May 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`30-07-15-303-002`

Property Details

APN / Parcel Number

Primary APN	`30-07-15-303-002`
Alternative APN	`07153030020000`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	764 sqft
Gross Area	1,416 sqft
Basement Area	764 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Construction Type	Frame
Lot Area	6,578 sqft (0.15 acres)
Lot Dimensions	124 ft deep x 50 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Location & Zoning

Street Address	404 GARDNER ST
City	JOLIET
State	IL
Zip	60433-2236
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 IN GARDNER'S SUB OF BLK 28 IN CANAL TRUSTEES SUB, BEING A SUB OF PRT OF THE W1/2 OF THE SW1/4 OF SEC 15, T35N-R10E.
Legal Range	10E
Legal Township	35N
Legal Section	15
Legal Subdivision	WILLIAM A GARDNERS
Legal Block	28
Legal Lot Number	5
Jurisdiction	WILL IL
Township / Civil Division	JOLIET
Census Block Group	2
Census Block	2011
Census Tract	882500

Owner

404 Gardner St is owned by an individual who bought it in August 2012.

Source: Will County records, as of August 24, 2026

Owner of Record	Individual Name on File
Mailing Address	415 JANE AVE, LEMONT, IL 60439-9314
Owner Type	Individual

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
Jun 26, 2018	Deed of Trust, Mortgage · Line of Credit FIRST BK/MANHATTAN
May 20, 2017	Loan Modification, Mortgage FIRST BK/MANHATTAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2012 · Amount on File
Deed Sale	Aug 24, 2012 · Amount on File
Prior Sale	May 4, 2012
Deed Document Number	201292447
Prior Transfer Date	Nov 26, 2007
Prior Transfer Doc	0000016356
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	404 GARDNER ST, JOLIET, IL 60433-2236
Document Number	0000049872
Instrument Date	Jun 26, 2018
Transaction Type	Mortgage
Record Updated	Aug 1, 2018
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	404 GARDNER ST JOLIET IL 604332236, JOLIET, IL 60433-2236

Mortgage

Document Number	0000049872
Date	Jul 19, 2018
Instrument	49872

Lender

Name	FIRST BK/MANHATTAN
Type	Bank
Address	MANHATTAN, IL 60442

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Jul 18, 2023

Interest

Rate Type	Adjustable Rate
Rate	5.25%

May 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WILL IL
Property Address	404 GARDNER ST, JOLIET, IL 60433-2236
Document Number	0000054162
Instrument Date	May 20, 2017
Transaction Type	Mortgage
Record Updated	Jul 27, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	404 GARDNER ST JOLIET IL 604332236, JOLIET, IL 60433-2236

Mortgage

Document Number	0000054162
Date	Jul 13, 2017
Instrument	54162

Lender

Name	FIRST BK/MANHATTAN
Type	Bank
Address	MANHATTAN, IL 60442

Agreement

Term	12 Months
Due	Jul 12, 2018

Tax Assessment & Valuation

The 2025 property tax bill for 404 Gardner St was $4,093.

Source: Will County assessment roll, as of August 24, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Will County
County Subdivision	Joliet Township
Municipality	Joliet City
Elementary School District	Joliet Public School District 86 (PK - 08)
Secondary School District	Joliet Township High School District 204 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,093.00	$50,974 (+9.3%) Land $8,728 Building $42,246	$152,922 (+9.3%) Land $26,184 Building $126,738
2024		$46,636 Land $7,985 Building $38,651	$139,908 Land $23,955 Building $115,953
2022	$3,461.00	$37,482 Land $6,418 Building $31,064	$112,446 Land $19,254 Building $93,192

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 404 Gardner 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 June 11, 2026 · 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
Flood Insurance Cost	Premium on File median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	60 (1981–2005)
Claims Outside the SFHA	7 of 60
Most Recent Claim	Nov 2005 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jul 1996 · 18 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

The area around 404 Gardner St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	JOLIET serves 160,000 people · EPA ID IL1970450
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	7 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	7 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 331 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Bertram Communications, T-Mobile, Verizon.

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