Johnson County property record for 656 N Oak St, Gardner, KS 66030
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,191 sqft · built 1999 |
| Lot Size | 0.207 acres (9,003 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,959 (2025) |
| Deeds & Mortgages | Oct 2019 Line of Credit Sep 2021 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | CP28200006-0002 |
| Primary APN | CP28200006-0002 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,191 sqft Living Area |
| Gross Area | 3,948 sqft |
| 1st Floor Area | 1,110 sqft |
| Basement Area | 1,085 sqft |
| Finished Basement | 800 sqft |
| Unfinished Basement | 285 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Conventional |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 9,003 sqft (0.207 acres) |
| View / Lot | Neighborhood / Spot |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Slab |
|---|---|
| Porch Area | 144 sqft |
| Deck Area | Deck Area |
| Patio Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | R3975 |
|---|---|
| Street Address | 656 N OAK ST |
| City | GARDNER |
| State | KS |
| Zip | 66030-1771 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | FOUNTAIN GATE II LT 2 BLK 6 GAC 63 3A 6 2 |
| Legal Subdivision | FOUNTAIN GATE II |
| Legal Block | 6 |
| Legal Lot Number | 2 |
| Jurisdiction | JOHNSON KS |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 53709 |
Source: Johnson County records, as of May 29, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 656 N OAK ST, GARDNER, KS 66030-1771 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Oct 14, 2019 | Deed of Trust, Mortgage · Line of Credit CAPITOL FEDERAL SAVINGS BANK |
| Sep 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BOKF NA |
| Jan 20, 2010 | Deed of Trust, Mortgage · Conventional Mortgage HOMESERVICES LENDING LLC SERIES A |
| May 29, 2015 | Deed of Trust, Mortgage · FHA Mortgage LANDMARK NATIONAL BANK |
| Sep 16, 2021 | Warranty Deed, Transfer · Conventional Mortgage BOKF NA |
| Nov 30, 2018 | Warranty Deed, Transfer CONTINENTAL TITLE |
| Apr 30, 2013 | Trustee's Deed, Foreclosure · Conventional Mortgage CITIZENS BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 2021 |
| Deed Sale | Sep 16, 2021 |
| Prior Sale | Nov 30, 2018 |
| Deed Book / Page | 202109 / 5788 |
| Prior Transfer Date | Mar 11, 2010 |
| Prior Transfer Doc | 201003/004152 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JOHNSON KS |
| Property Address | 656 N OAK ST, GARDNER, KS 66030-1771 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 201910/004693 |
|---|---|
| Date | Oct 14, 2019 |
| Book Page | 201910/004693 |
| Name | CAPITOL FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | TOPEKA, KS 66603 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 204 Months |
| Due | Oct 10, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JOHNSON KS |
| Property Address | 656 N OAK ST, GARDNER, KS 66030-1771 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | SECURED TITLE/KANSAS CITY, SECURED TITLE OF KANSAS CITY |
| Name | Verified Name |
|---|
| Document Number | 202109/9391 |
|---|---|
| Date | Sep 24, 2021 |
| Book Page | 202109/9391 |
| Name | BOKF NA |
|---|---|
| Type | Bank |
| Address | TULSA, OK 74153 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JOHNSON KS |
| Property Address | 656 N OAK ST, GARDNER, KS 66030-1771 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | KANSAS CITY TITLE |
| Name | Verified Name |
|---|
| Document Number | 201001/004716 |
|---|---|
| Date | Jan 20, 2010 |
| Book Page | 201001/004716 |
| Name | HOMESERVICES LENDING LLC SERIES A |
|---|---|
| Type | Lending Institution |
| Address | NEWARK, NJ 07101 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 1, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JOHNSON KS |
| Property Address | 656 N OAK ST, GARDNER, KS 66030-1771 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | PLATINUM TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 201505/010555 |
|---|---|
| Date | May 29, 2015 |
| Book Page | 201505/010555 |
| Name | LANDMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | MANHATTAN, KS 66505 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JOHNSON KS |
| Recording Date | Sep 16, 2021 |
| Property Address | 656 N OAK ST, GARDNER, KS 66030-1771 |
| Document Number | 202109/5788 |
| Book / Page | 202109 / 5788 |
| Instrument Date | Sep 7, 2021 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | CONTINENTAL, CONTINENTAL TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Document Number | 2021099391 |
|---|---|
| Date | Sep 16, 2021 |
| Instrument | 202109/9391 |
| Name | BOKF NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JOHNSON KS |
| Recording Date | Nov 30, 2018 |
| Property Address | 656 N OAK ST, GARDNER, KS 66030-1771 |
| Document Number | 201811/007357 |
| Book / Page | 201811 / 007357 |
| Instrument Date | Nov 27, 2018 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2021 |
| Title Company | CONTINENTAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | JOHNSON KS |
| Recording Date | Apr 30, 2013 |
| Property Address | 656 N OAK ST, GARDNER, KS 66030-1771 |
| Document Number | 201304/011407 |
| Book / Page | 201304 / 011407 |
| Instrument Date | Mar 11, 2010 |
| Transaction Type | Foreclosure |
| Record Updated | Jul 11, 2024 |
| Title Company | MIDWEST TITLE CO INC |
| Tax | $0.00 |
|---|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Investor | Possibly a Property Investor |
| Document Number | 201304/011409 |
|---|---|
| Date | Apr 30, 2013 |
| Book Page | 201304/011409 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | FORT SCOTT, KS 66701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2043 |
Source: Johnson County assessment roll, as of May 29, 2026
| Type | Name |
|---|---|
| State | Kansas |
| County | Johnson County |
| Municipality | Gardner City |
| Unified School District | Gardner Edgerton Unified School District 231 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,959.00 (+17.21%) | $48,668 (+17.65%) Land $9,085 Building $39,583 | $423,200 (+17.65%) Land $79,000 Building $344,200 |
| 2024 | $5,084.00 (+7.17%) | $41,366 (+9.93%) Land $8,255 Building $33,111 | $359,700 (+9.93%) Land $71,780 Building $287,920 |
| 2023 | $4,744.00 (+1.02%) | $37,628 (+2.25%) Land $8,255 Building $29,373 | $327,200 (+2.25%) Land $71,780 Building $255,420 |
| 2022 | $4,696.00 | $36,800 Land $7,105 Building $29,695 | $320,000 Land $61,780 Building $258,220 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 5, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | CITY OF GARDNER serves 23,942 people · EPA ID KS2009106 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2025 |
| Lead | 3 ppb (2021–2023) 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.
Source: FCC Broadband Data Collection, based on 467 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| ClearWave Fiber | 7,000 / 7,000 |
| KWIKOM Communications Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
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