Grundy County property record for 425 W Main St, Gardner, IL 60424
| Property Type | Commercial |
|---|---|
| Lot Size | 0.78 acres (33,977 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,968 (2025) |
| Deeds & Mortgages | Feb 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-04-352-002 |
| Primary APN | 12-04-352-002 |
|---|
| Lot Area | 33,977 sqft (0.78 acres) |
|---|
| Street Address | 425 W MAIN ST |
|---|---|
| City | GARDNER |
| State | IL |
| Zip | 60424-7001 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | 1AC IN SEC 4-31-8 |
| Legal Range | 08W |
| Legal Township | 31N |
| Legal Section | 04 |
| Jurisdiction | GRUNDY IL |
| Township / Civil Division | GARFIELD |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 900 |
425 W Main St, a commercial property, is owned by two individuals.
Source: Grundy County records, as of June 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 425 W MAIN ST, GARDNER, IL 60424-7001 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRUNDY IL |
| Property Address | 425 W MAIN ST, GARDNER, IL 60424-7001 |
| Document Number | 0000583209 |
| Instrument Date | Feb 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2019 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 425 W MAIN ST GARDNER IL 604247001, GARDNER, IL 60424-7001 |
| Document Number | 0000583209 |
|---|---|
| Date | Mar 11, 2019 |
| Instrument | 583209 |
| Name | GRUNDY BK |
|---|---|
| Type | Bank |
| Address | MORRIS, IL 60450 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 425 W Main St was $7,968.
Source: Grundy County assessment roll, as of June 30, 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,968.00 | $97,219 Land $20,517 Building $76,702 | $291,657 Land $61,551 Building $230,106 |
| 2022 | $6,114.00 | $74,601 Land $15,744 Building $58,857 | $223,803 Land $47,232 Building $176,571 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 425 W Main St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.
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 risk around 425 W Main St is low, with less than a 0.01% annual chance of 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 56 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures