422 N Monroe St, Gardner, IL 60424 Property Records

Grundy County property record for 422 N Monroe St, Gardner, IL 60424

Property Summary

Property Type	Single Family Home
Details	1,570 sqft · built 1880
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$122,000 (Sep 2021)
Tax Bill	$4,308 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Jun 2020 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`12-04-406-001`

Property Details

APN / Parcel Number

Primary APN	`12-04-406-001`

Interior

Building Area	1,570 sqft Total Area

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Lot Area	8,276 sqft (0.19 acres)

Location & Zoning

Street Address	422 N MONROE ST
City	GARDNER
State	IL
Zip	60424-7036
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG TN GARDNER N4' LT 10 & ALL LT 9 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	9-10
Jurisdiction	GRUNDY IL
Township / Civil Division	GARFIELD
Census Block Group	3
Census Block	3001
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	422 N MONROE ST, GARDNER, IL 60424-7036
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED FCU
Jun 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED FCU
Jun 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED FCU
Sep 15, 2021	Warranty Deed, Transfer · Conventional Mortgage BUSEY BANK
Oct 29, 2019	Grant Deed, Transfer REAL ESTATE TITLE
Oct 4, 2018	Trustee's Deed, Transfer ATTORNEY ONLY
Oct 4, 2018	Quit Claim Deed, Foreclosure Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2021 · Amount on Record
Deed Sale	Sep 15, 2021 · Amount on Record
Prior Sale	Oct 29, 2019 · Amount on Record
Deed Document Number	2021607166
Prior Transfer Date	Sep 17, 2018
Prior Transfer Doc	0000580352
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRUNDY IL
Property Address	422 N MONROE ST, GARDNER, IL 60424-7036
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000589773
Date	Jan 2, 2020
Instrument	589773

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 25, 2029

Interest

Rate Type	Fixed Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRUNDY IL
Property Address	422 N MONROE ST, GARDNER, IL 60424-7036
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000592960
Date	Jun 3, 2020
Instrument	592960

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRUNDY IL
Property Address	422 N MONROE ST, GARDNER, IL 60424-7036
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000593099
Date	Jun 8, 2020
Instrument	593099

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRUNDY IL
Recording Date	Sep 15, 2021
Property Address	422 N MONROE ST, GARDNER, IL 60424-7036
Document Number	0000607166
Instrument Date	Aug 13, 2021
Instrument	607166
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$183.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 N MONROE ST, GARDNER, IL 60424-7036

Mortgage

Document Number	0000607167
Date	Sep 15, 2021
Instrument	607167

Lender

Name	BUSEY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	3.25%

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GRUNDY IL
Recording Date	Oct 29, 2019
Property Address	422 N MONROE ST, GARDNER, IL 60424-7036
Document Number	0000588328
Instrument Date	Oct 21, 2019
Instrument	588328
Transaction Type	Transfer
Record Updated	Feb 4, 2020
Title Company	REAL ESTATE TITLE

Transaction

Amount	Amount Recorded
Tax	$250.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2210 FOGE RD MAHOMET IL 61853, MAHOMET, IL 61853

October 2018: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	GRUNDY IL
Recording Date	Oct 4, 2018
Property Address	422 N MONROE ST, GARDNER, IL 60424-7036
Document Number	0000580349
Instrument Date	Oct 3, 2018
Instrument	580349
Transaction Type	Transfer
Record Updated	Oct 30, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4425 PONCE DE LEON BLVD #5TH CORAL GABLES FL 331461837, 5TH, CORAL GABLES, FL 33146-1837
Investor	Possibly a Property Investor

October 2018: Quit Claim Deed, Foreclosure

Document Type	Quit Claim Deed
Jurisdiction	GRUNDY IL
Recording Date	Oct 4, 2018
Property Address	422 N MONROE ST, GARDNER, IL 60424-7036
Document Number	0000580352
Instrument Date	Sep 17, 2018
Instrument	580352
Transaction Type	Foreclosure
Record Updated	Oct 30, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Investor	Possibly a Property Investor

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	$4,308.00 (+53.09%)	$52,570 (+30.32%) Land $6,744 Building $45,826	$157,710 (+30.32%) Land $20,232 Building $137,478
2022	$2,814.00 Homeowner's exemption	$40,339 Land $5,175 Building $35,164	$121,017 Land $15,525 Building $105,492

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
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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