412 N Center St, Gardner, IL 60424 Property Records

Grundy County property record for 412 N Center St, Gardner, IL 60424

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,416 sqft · built 1976
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$80,000 (Sep 2017)
Tax Bill	$4,078 (2025)
Deeds & Mortgages	Sep 2017 Sale & Line of Credit Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-04-429-005`

Property Details

APN / Parcel Number

Primary APN	`12-04-429-005`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,416 sqft Total Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	192 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	412 N CENTER ST
City	GARDNER
State	IL
Zip	60424-7053
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG TN GARDNER LT 10 BLK 9 SEC 4-31-8
Legal Range	08W
Legal Township	31N
Legal Section	04
Legal Subdivision	ORIGINAL TOWN GARDNER
Legal Block	9
Legal Lot Number	10
Jurisdiction	GRUNDY IL
Township / Civil Division	GARFIELD
Census Block Group	3
Census Block	3000
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	412 N CENTER ST, GARDNER, IL 60424-7053
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2017	Warranty Deed, Transfer · Line of Credit HOLLOWAY ROGER H & D E (TE)
Jul 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage ROGER H & DEBBIE E HOLLOWAY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2017 · Amount on Record
Deed Sale	Sep 5, 2017 · Amount on Record
Prior Sale	Sep 5, 2017
Deed Document Number	2017572286
Record Updated	Sep 20, 2026

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRUNDY IL
Recording Date	Sep 5, 2017
Property Address	412 N CENTER ST, GARDNER, IL 60424-7053
Document Number	0000572286
Instrument Date	Jul 1, 2017
Instrument	572286
Transaction Type	Transfer
Record Updated	Apr 25, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$80.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 N CENTER ST GARDNER IL 604247053, GARDNER, IL 60424-7053

Mortgage

Document Number	572285
Date	Sep 5, 2017
Instrument	572285

Lender

Name	HOLLOWAY ROGER H & D E (TE)

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 4, 2042

Interest

Rate Type	Adjustable Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRUNDY IL
Property Address	412 N CENTER ST, GARDNER, IL 60424-7053
Document Number	0000573194
Instrument Date	Jul 1, 2017
Transaction Type	Mortgage
Record Updated	Oct 31, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 N CENTER ST GARDNER IL 604247053, GARDNER, IL 60424-7053

Mortgage

Document Number	0000573194
Date	Oct 16, 2017
Instrument	573194

Lender

Name	ROGER H & DEBBIE E HOLLOWAY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Oct 15, 2042

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	$4,078.00 (+54.59%)	$49,764 (+30.32%) Land $11,620 Building $38,144	$149,292 (+30.32%) Land $34,860 Building $114,432
2022	$2,638.00 Homeowner's exemption	$38,186 Land $8,916 Building $29,270	$114,558 Land $26,748 Building $87,810

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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