503 N Monroe St, Gardner, IL 60424 Property Records

Grundy County property record for 503 N Monroe St, Gardner, IL 60424

Property Summary

Property Type	Single Family Home
Details	1,115 sqft · built 1895
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Jul 2021)
Tax Bill	$3,722 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-04-401-005`

Property Details

APN / Parcel Number

Primary APN	`12-04-401-005`

Interior

Building Area	1,115 sqft Total Area

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Lot Area	13,504 sqft (0.31 acres)

Location & Zoning

Street Address	503 N MONROE ST
City	GARDNER
State	IL
Zip	60424-7034
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG TN GARDNER LT 14 (EX N20') & ALL LT 13 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	13-14
Jurisdiction	GRUNDY IL
Township / Civil Division	GARFIELD
Census Block Group	3
Census Block	3005
Census Tract	900

Owner

503 N Monroe St is owned and occupied by an individual who bought it in July 2021.

Source: Grundy County records, as of June 30, 2026

Owner of Record	Individual Name on File
Mailing Address	503 N MONROE ST, GARDNER, IL 60424-7034
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2021	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Apr 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST MIDWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2021 · Amount on File
Deed Sale	Jul 20, 2021 · Amount on File
Deed Document Number	2021605587
Prior Transfer Date	Feb 8, 2016
Prior Transfer Doc	0000559807
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRUNDY IL
Recording Date	Jul 20, 2021
Property Address	503 N MONROE ST, GARDNER, IL 60424-7034
Document Number	0000605587
Instrument Date	Jul 15, 2021
Instrument	605587
Transaction Type	Transfer
Record Updated	Aug 4, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	503 N MONROE ST, GARDNER, IL 60424-7034

Mortgage

Document Number	0000605588
Date	Jul 20, 2021
Instrument	605588

Lender

Name	CMG MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRUNDY IL
Property Address	503 N MONROE ST, GARDNER, IL 60424-7034
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000591934
Date	Apr 23, 2020
Instrument	591934

Lender

Name	FIRST MIDWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 503 N Monroe St was $3,722 with a homeowner's exemption.

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	$3,722.00	$45,414 Land $10,980 Building $34,434	$136,242 Land $32,940 Building $103,302
2022	$2,364.00 Homeowner's exemption	$34,849 Land $8,426 Building $26,423	$104,547 Land $25,278 Building $79,269

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

FEMA maps place 503 N Monroe 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

Wildfire risk around 503 N Monroe 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	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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