414 N Center St, Gardner, IL 60424 Property Records

Grundy County property record for 414 N Center St, Gardner, IL 60424

Property Summary

Property Type	Single Family Home
Details	1,100 sqft · built 1975
Lot Size	0.91 acres (39,640 sqft)
Owner	Individual Name on Record
Last Sale	$193,000 (May 2022)
Tax Bill	$5,835 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Feb 2020 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-04-429-004`

Property Details

APN / Parcel Number

Primary APN	`12-04-429-004`

Interior

Building Area	1,100 sqft Total Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Lot Area	39,640 sqft (0.91 acres)

Location & Zoning

Street Address	414 N CENTER ST
City	GARDNER
State	IL
Zip	60424-7053
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG TN GARDNER LTS 7 THRU 9 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	7-9
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	414 N CENTER ST, GARDNER, IL 60424-7053
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2022	Warranty Deed, Transfer · Conventional Mortgage MARKET PLACE MORTGAGE CORP
Feb 12, 2020	Loan Modification, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING
Feb 12, 2020	Loan Modification, Consolidation and Extension, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING
Nov 30, 2017	Deed of Trust, Transfer · FHA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2022 · Amount on Record
Deed Sale	May 24, 2022 · Amount on Record
Prior Sale	Dec 13, 2017 · Amount on Record
Deed Document Number	2022613318
Prior Transfer Date	Apr 3, 2012
Prior Transfer Doc	0000528100
Record Updated	Sep 20, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRUNDY IL
Recording Date	May 24, 2022
Property Address	414 N CENTER ST, GARDNER, IL 60424-7053
Document Number	0000613318
Instrument Date	May 10, 2022
Instrument	613318
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$289.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 N CENTER ST, GARDNER, IL 60424-7053

Mortgage

Document Number	0000613319
Date	May 24, 2022
Instrument	613319

Lender

Name	MARKET PLACE MORTGAGE CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6%

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	GRUNDY IL
Property Address	414 N CENTER ST, GARDNER, IL 60424-7053
Document Number	0000591128
Instrument Date	Feb 12, 2020
Transaction Type	Mortgage
Record Updated	Apr 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 N CENTER ST GARDNER IL 604247053, GARDNER, IL 60424-7053

Mortgage

Document Number	0000591128
Date	Mar 10, 2020
Instrument	591128

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

February 2020: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	GRUNDY IL
Property Address	414 N CENTER ST, GARDNER, IL 60424-7053
Document Number	0000591128
Instrument Date	Feb 12, 2020
Transaction Type	Mortgage
Record Updated	Apr 23, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 N CENTER ST GARDNER IL 604247053, GARDNER, IL 60424-7053

Mortgage

Document Number	0000591128
Date	Mar 10, 2020
Instrument	591128

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 9, 2050

November 2017: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	GRUNDY IL
Property Address	414 N CENTER ST, GARDNER, IL 60424-7053
Instrument Date	Nov 30, 2017
Transaction Type	Transfer
Record Updated	Apr 23, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 N CENTER ST GARDNER IL 604247053, GARDNER, IL 60424-7053

Mortgage

Document Number	574468
Date	Dec 13, 2017
Instrument	574468

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 12, 2047

Interest

Rate	5%

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	$5,835.00 (+30.33%)	$71,198 (+30.32%) Land $21,170 Building $50,028	$213,594 (+30.32%) Land $63,510 Building $150,084
2022	$4,477.00	$54,632 Land $16,244 Building $38,388	$163,896 Land $48,732 Building $115,164

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	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 99 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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