421 N Monroe St, Gardner, IL 60424 Property Records

Grundy County property record for 421 N Monroe St, Gardner, IL 60424

Property Summary

Property Type	Single Family Home
Details	1,036 sqft · built 1910
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$198,790 (Sep 2022)
Tax Bill	$2,824 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-04-405-001`

Property Details

APN / Parcel Number

Primary APN	`12-04-405-001`

Interior

Building Area	1,036 sqft Total Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Lot Area	8,276 sqft (0.19 acres)
Total Buildings	2 Buildings

Location & Zoning

Street Address	421 N MONROE ST
City	GARDNER
State	IL
Zip	60424-7035
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG TN GARDNER LT 11 BLK 25 SEC 4-31-8
Legal Range	08W
Legal Township	31N
Legal Section	04
Legal Subdivision	ORIGINAL TOWN GARDNER
Legal Block	25
Legal Lot Number	11
Jurisdiction	GRUNDY IL
Township / Civil Division	GARFIELD
Census Block Group	3
Census Block	3007
Census Tract	900

Owner

Source: Grundy County assessment roll, 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 File
Mailing Address	421 N MONROE ST, GARDNER, IL 60424-7035
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 16, 2022 · Amount on Record
Deed Sale	Sep 16, 2022 · Amount on Record
Deed Document Number	2022615664
Record Updated	Sep 20, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRUNDY IL
Recording Date	Sep 16, 2022
Property Address	421 N MONROE ST, GARDNER, IL 60424-7035
Document Number	0000615664
Instrument Date	Sep 12, 2022
Instrument	615664
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$298.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	421 N MONROE ST, GARDNER, IL 60424-7035

Mortgage

Document Number	0000615665
Date	Sep 16, 2022
Instrument	615665

Lender

Name	FEDERAL SAVINGS BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate	5.75%

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	$2,824.00 (+30.32%)	$34,460 (+30.32%) Land $6,956 Building $27,504	$103,380 (+30.32%) Land $20,868 Building $82,512
2022	$2,167.00	$26,443 Land $5,337 Building $21,106	$79,329 Land $16,011 Building $63,318

Assessed value is set for property tax purposes, not a market price estimate; it is 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
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 99.1% of the US · lower than 94% 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 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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