411 N Center St, Gardner, IL 60424 Property Records

Grundy County property record for 411 N Center St, Gardner, IL 60424

Property Summary

Property Type	Single Family Home
Details	1,176 sqft · built 1963
Lot Size	0.56 acres (24,394 sqft)
Owner	Individual Name on Record
Tax Bill	$5,418 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-04-408-020`

Property Details

APN / Parcel Number

Primary APN	`12-04-408-020`

Interior

Building Area	1,176 sqft Total Area

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Lot Area	24,394 sqft (0.56 acres)
Total Buildings	2 Buildings

Location & Zoning

Street Address	411 N CENTER ST
City	GARDNER
State	IL
Zip	60424-7052
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG TN GARDNER S25' LT 3 & ALL LTS 4 & 5 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	3-5
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	411 N CENTER ST, GARDNER, IL 60424-7052
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2026	Deed of Trust, Mortgage · VA Mortgage UNITED MORTGAGE LENDING LLC
Aug 11, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 13, 2024
Transfer Doc	0000627685
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRUNDY IL
Property Address	411 N CENTER ST, GARDNER, IL 60424-7052
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000636252
Date	Jan 6, 2026
Instrument	636252

Lender

Name	UNITED MORTGAGE LENDING LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Feb 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.63%

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GRUNDY IL
Recording Date	Aug 11, 2021
Property Address	411 N CENTER ST, GARDNER, IL 60424-7052
Document Number	0000606226
Instrument Date	Aug 3, 2021
Instrument	606226
Transaction Type	Transfer
Record Updated	Aug 25, 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
Address	411 N CENTER ST, GARDNER, IL 60424-7052

Mortgage

Document Number	0000606227
Date	Aug 11, 2021
Instrument	606227

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$5,418.00 (+1,991.89%)	$66,101 (+30.32%) Land $17,089 Building $49,012	$198,303 (+30.32%) Land $51,267 Building $147,036
2022	$259.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$50,722 Land $13,113 Building $37,609	$152,166 Land $39,339 Building $112,827

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

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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