Grundy County property record for 421 N Elm St, Gardner, IL 60424 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,038 sqft · built 1903 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | Individual Name on File |
| Last Sale | $134,000 (Dec 2022) |
| Tax Bill | $4,506 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Jun 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-04-407-004 |
| Primary APN | 12-04-407-004 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,038 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1903 |
|---|---|
| Effective Year Built | Effective 1903 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 19,602 sqft (0.45 acres) |
| Lot Dimensions | 390 ft deep x 100 ft wide |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 421 N ELM ST |
|---|---|
| City | GARDNER |
| State | IL |
| Zip | 60424-7048 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ORIG TN GARDNER LTS 1 & 2 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 | 1-2 |
| Jurisdiction | GRUNDY IL |
| Township / Civil Division | GARFIELD |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 900 |
Source: Grundy County records · APN 12-04-407-004
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 | 421 N ELM ST, GARDNER, IL 60424-7048 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 13, 2022 | Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE INC |
| Jun 22, 2018 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 13, 2022 · Amount on Record |
| Deed Sale | Dec 13, 2022 · Amount on Record |
| Prior Sale | Jun 22, 2018 · Amount on Record |
| Deed Document Number | 2022617238 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GRUNDY IL |
| Recording Date | Dec 13, 2022 |
| Property Address | 421 N ELM ST, GARDNER, IL 60424-7048 |
| Document Number | 0000617238 |
| Instrument Date | Dec 05, 2022 |
| Instrument | 617238 |
| Transaction Type | Transfer |
| Record Updated | Jan 04, 2023 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $201.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 421 N ELM ST, GARDNER, IL 60424-7048 |
| Document Number | 0000617239 |
|---|---|
| Date | Dec 13, 2022 |
| Instrument | 617239 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GRUNDY IL |
| Recording Date | Jun 22, 2018 |
| Property Address | 421 N ELM ST, GARDNER, IL 60424-7048 |
| Document Number | 0000578167 |
| Instrument Date | Jun 20, 2018 |
| Instrument | 578167 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2018 |
| Title Company | PREMIER TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $125.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 421 N ELM ST GARDNER IL 604247048, GARDNER, IL 60424-7048 |
| Document Number | 578168 |
|---|---|
| Date | Jun 22, 2018 |
| Instrument | 578168 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 21, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.12% |
Source: Grundy County records · Assessment roll updated 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 | $4,506.00 (+51.92%) | $54,981 (+30.32%) Land $13,562 Building $41,419 | $164,943 (+30.32%) Land $40,686 Building $124,257 |
| 2022 | $2,966.00 Homeowner's exemption | $42,190 Land $10,407 Building $31,783 | $126,570 Land $31,221 Building $95,349 |
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
| 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 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.
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.
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