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Single Family ResidentialResidential
$129,437
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 81How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

109 S RAILROAD ST

GARDNER, IL 60424
0
Baths
0.21 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$129K
$105K low$153K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,999 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$36,584 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$7,778
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$28,806
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$34,687
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$109,752

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residential
CountyGRUNDY
Lot (acres)The size of the land the home sits on, from county records.0.21
PoolWhether the property has a pool, and what kind, such as in-ground.No

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Gardner-South Wilmington Township High SchoolC+
High · Grades 9–12 · 0.6 mi
E
Gardner Elementary SchoolB+
Elementary · Grades PK–8 · 0.7 mi

District: Gardner Community Consolidated School District 72c

Neighborhood · ZIP 60424These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.135
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.76
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.44

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.8%
PopulationHow many people live in this area.3,208
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.55 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$87,340
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$100,688
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.37 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.54%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 S Railroad St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 98% of homes in Grundy County
  • Has a smaller lot than 86% of homes in Gardner 60424

What homes are worth in Gardner 60424

Each bar is how many homes fall in that price range. The marker is this home.

This home
$92K$1.4M

This home is worth more than 8% of homes in Gardner 60424.

How it measures up in Gardner 60424

The dot is this home. The mark in the middle is the typical home in Gardner 60424.

Estimated value$129,437
CheaperTypical $222,770Pricier

Pricier than 8% of homes nearby

Lot size0.21 ac
SmallerTypical 0.45 acBigger

Bigger than 14% of homes nearby

How 109 S Railroad St ranks against every home in each area.
MeasureThis homeGardner 60424Grundy County
Estimated valuepricier than$129,4378% of homes2% of homes
Lot sizebigger than0.21 ac14% of homes28% of homes

About 109 S Railroad St

How much is 109 S Railroad St, Gardner, IL worth?

The TopHap Estimate for 109 S Railroad St, Gardner, IL is $129,437 as of Sep 24, 2026. The likely range is $105,487 to $153,387. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 S Railroad St, Gardner, IL last sell?

109 S Railroad St, Gardner, IL last sold on Jan 1, 1900, according to the county's recorded deed.

What schools serve 109 S Railroad St, Gardner, IL?

109 S Railroad St, Gardner, IL is assigned to Gardner-South Wilmington Township High School (high), rated C+; Gardner Elementary School (elementary), rated B+. All sit in Gardner Community Consolidated School District 72c. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 S Railroad St, Gardner, IL compare to other homes in Gardner 60424?

Among the 801 homes in Gardner 60424, it is worth more than 8% of them ($129,437 against a typical $222,770) and its lot is bigger than 14% of them (0.21 ac against a typical 0.45 ac). Measured against all of Grundy County, it is worth more than 2% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 S Railroad St, Gardner, IL?

The 2025 property tax bill for 109 S Railroad St, Gardner, IL was $2,999. The county assessed it at $36,584.

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Assigned schools

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