Grundy County property record for 420 N Monroe St, Gardner, IL 60424
| Property Type | Single Family Home |
|---|---|
| Details | 1,184 sqft · built 1953 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,650 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-04-406-002 |
| Primary APN | 12-04-406-002 |
|---|
| Building Area | 1,184 sqft Total Area |
|---|
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Street Address | 420 N MONROE ST |
|---|---|
| City | GARDNER |
| State | IL |
| Zip | 60424-7036 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ORIG TN GARDNER S46' LT 10 & N12' LT 11 BLK 6 SEC 4-31-8 |
| Legal Range | 08W |
| Legal Township | 31N |
| Legal Section | 04 |
| Legal Subdivision | ORIGINAL TOWN GARDNER |
| Legal Block | 6 |
| Legal Lot Number | 10-11 |
| Jurisdiction | GRUNDY IL |
| Township / Civil Division | GARFIELD |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 900 |
Source: Grundy County assessment roll, APN 12-04-406-002, as of 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 | 420 N MONROE ST, GARDNER, IL 60424-7036 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST MIDWEST BANK |
| Apr 02, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FIRST MIDWEST BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRUNDY IL |
| Property Address | 420 N MONROE ST, GARDNER, IL 60424-7036 |
| Transaction Type | Mortgage |
| Record Updated | May 05, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000602444 |
|---|---|
| Date | Apr 14, 2021 |
| Instrument | 602444 |
| Name | FIRST MIDWEST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 01, 2036 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRUNDY IL |
| Property Address | 420 N MONROE ST, GARDNER, IL 60424-7036 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000576475 |
|---|---|
| Date | Apr 02, 2018 |
| Instrument | 576475 |
| Name | FIRST MIDWEST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 01, 2028 |
| Rate Type | Fixed Rate |
|---|
Source: Grundy County assessment roll as of June 30, 2026 · Last verified July 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) |
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 | $3,650.00 (+58.08%) | $44,534 (+30.32%) Land $7,185 Building $37,349 | $133,602 (+30.32%) Land $21,555 Building $112,047 |
| 2022 | $2,309.00 Homeowner's exemption | $34,173 Land $5,513 Building $28,660 | $102,519 Land $16,539 Building $85,980 |
Source: FEMA National Flood Hazard Layer, Grundy County (17063C), as of September 30, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170630009003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| Wildfire Risk | Low lower than 99.1% of the US · lower than 94% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| 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.
Source: FCC Broadband Data Collection, 216 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Kraus Electronics Systems Cable | 2,500 / 50 |
May also be available: Benton Ridge Telephone Company, Verizon.
Source: EPA Safe Drinking Water Information System, water system IL0630400, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | GARDNER serves 1,361 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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