409 N Center St, Gardner, IL 60424 Property Records

Grundy County property record for 409 N Center St, Gardner, IL 60424

Property Summary

Property Type	Single Family Home
Details	1,596 sqft · built 1968
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (Dec 2021)
Tax Bill	$5,287 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Apr 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-04-408-008`

Property Details

APN / Parcel Number

Primary APN	`12-04-408-008`

Interior

Building Area	1,596 sqft Total Area

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Lot Area	19,602 sqft (0.45 acres)

Location & Zoning

Street Address	409 N CENTER ST
City	GARDNER
State	IL
Zip	60424-7052
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG TN GARDNER LTS 6 & 7 BLK 8 SEC 4-31-8
Legal Range	08W
Legal Township	31N
Legal Section	04
Legal Subdivision	ORIGINAL TOWN GARDNER
Legal Block	8
Legal Lot Number	6-7
Jurisdiction	GRUNDY IL
Township / Civil Division	GARFIELD
Census Block Group	3
Census Block	3015
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	409 N CENTER ST, GARDNER, IL 60424-7052
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2021	Warranty Deed, Subdivision Related Transfer · VA Mortgage KIND LENDING LLC
Apr 6, 2021	Warranty Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE
Oct 6, 2017	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2021 · Amount on Record
Deed Sale	Dec 6, 2021 · Amount on Record
Prior Sale	Apr 6, 2021 · Amount on Record
Deed Document Number	2021609524
Prior Transfer Date	Sep 1, 2017
Prior Transfer Doc	0000573024
Record Updated	Sep 20, 2026

December 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	GRUNDY IL
Recording Date	Dec 6, 2021
Property Address	409 N CENTER ST, GARDNER, IL 60424-7052
Document Number	0000609524
Instrument Date	Nov 18, 2021
Instrument	609524
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 15, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$232.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	409 N CENTER ST, GARDNER, IL 60424-7052

Mortgage

Document Number	0000609525
Date	Dec 6, 2021
Instrument	609525

Lender

Name	KIND LENDING LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate	3.13%

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRUNDY IL
Recording Date	Apr 6, 2021
Property Address	409 N CENTER ST, GARDNER, IL 60424-7052
Document Number	0000601854
Instrument Date	Mar 18, 2021
Instrument	601854
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Tax	$112.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	563 SUDBURY CIR, OSWEGO, IL 60543-7154

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GRUNDY IL
Recording Date	Oct 6, 2017
Property Address	409 N CENTER ST, GARDNER, IL 60424-7052
Document Number	0000573024
Instrument Date	Sep 1, 2017
Instrument	573024
Transaction Type	Transfer
Record Updated	Oct 31, 2017
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	409 N CENTER ST GARDNER IL 604247052, GARDNER, IL 60424-7052

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	$5,287.00 (+30.35%)	$64,503 (+30.32%) Land $13,562 Building $50,941	$193,509 (+30.32%) Land $40,686 Building $152,823
2022	$4,056.00	$49,496 Land $10,407 Building $39,089	$148,488 Land $31,221 Building $117,267

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	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	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 216 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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