Grundy County property record for 409 N Monroe St, Gardner, IL 60424
| Property Type | Single Family Home |
|---|---|
| Details | 1,421 sqft · built 1900 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,081 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-04-405-004 |
| Primary APN | 12-04-405-004 |
|---|
| Building Area | 1,421 sqft Total Area |
|---|
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 12,632 sqft (0.29 acres) |
| Street Address | 409 N MONROE ST |
|---|---|
| City | GARDNER |
| State | IL |
| Zip | 60424-7028 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ORIG TN GARDNER S1/2 LT 6 & ALL LT 5 BLK 25 SEC 4-31-8 |
| Legal Range | 08W |
| Legal Township | 31N |
| Legal Section | 04 |
| Legal Subdivision | ORIGINAL TOWN GARDNER |
| Legal Block | 25 |
| Legal Lot Number | 5-6 |
| Jurisdiction | GRUNDY IL |
| Township / Civil Division | GARFIELD |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 900 |
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 MONROE ST, GARDNER, IL 60424-7028 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRUNDY IL |
| Property Address | 409 N MONROE ST, GARDNER, IL 60424-7028 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000637355 |
|---|---|
| Date | Mar 3, 2026 |
| Instrument | 637355 |
| Name | FEDERATED BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Feb 24, 2027 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.5% |
Source: Grundy County assessment roll, as of June 30, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,081.00 (+83.09%) | $49,790 (+30.32%) Land $10,286 Building $39,504 | $149,370 (+30.32%) Land $30,858 Building $118,512 |
| 2022 | $2,229.00 Homeowner's exemption | $38,206 Land $7,893 Building $30,313 | $114,618 Land $23,679 Building $90,939 |
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.
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 |
| 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.
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.
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 |
| 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.
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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