411 N Elm St, Gardner, IL 60424 Property Records

Grundy County property record for 411 N Elm St, Gardner, IL 60424 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	1,124 sqft · built 1950
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on File
Last Sale	$132,000 (Dec 2019)
Tax Bill	$3,299 (2025)
Deeds & Mortgages	Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-04-407-016`

Property Details

APN / Parcel Number

Primary APN	`12-04-407-016`

Interior

Building Area	1,124 sqft Total Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Lot Area	19,602 sqft (0.45 acres)

Location & Zoning

Street Address	411 N ELM ST
City	GARDNER
State	IL
Zip	60424-7048
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG TN GARDNER S25' LT 4 & ALL LT 5 & N25' LT 6 BLK 7 SEC 4-31-8
Legal Range	08W
Legal Township	31N
Legal Section	04
Legal Subdivision	ORIGINAL TOWN GARDNER
Legal Block	7
Legal Lot Number	4-6
Jurisdiction	GRUNDY IL
Township / Civil Division	GARFIELD
Census Block Group	3
Census Block	3004
Census Tract	900

Owner

Source: Grundy County records · APN 12-04-407-016

Assessment roll updated 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	907 W BERGERA RD, BRAIDWOOD, IL 60408-1657
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 27, 2019 · Amount on Record
Deed Sale	Dec 27, 2019 · Amount on Record
Deed Document Number	2019589659
Record Updated	Sep 20, 2026

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	GRUNDY IL
Recording Date	Dec 27, 2019
Property Address	411 N ELM ST, GARDNER, IL 60424-7048
Document Number	0000589659
Instrument Date	Dec 20, 2019
Instrument	589659
Transaction Type	Transfer
Record Updated	Oct 11, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$198.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9547 S LINCOLN RD, 9547, GARDNER, IL 60424-6122

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 N ELM ST, GARDNER, IL 60424-7048

Mortgage

Document Number	0000589660
Date	Dec 27, 2019
Instrument	589660

Lender

Name	OLD SECOND NATIONAL BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	3.88%

Tax Assessment & Valuation

Source: Grundy County records · Assessment roll updated 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 and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,299.00 (+30.34%)	$40,254 (+30.32%) Land $13,672 Building $26,582	$120,762 (+30.32%) Land $41,016 Building $79,746
2022	$2,531.00	$30,889 Land $10,491 Building $20,398	$92,667 Land $31,473 Building $61,194

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Grundy County (17063C), updated September 30, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170630009003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2015)
Most Recent Claim	Jun 2015, rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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, availability as of December 31, 2025 · Published October 2026 · based on 216 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Kraus Electronics Systems	Cable	2,500 / 50

May also be available at this address: Benton Ridge Telephone Company, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.