123 S 6th St, Girard, IL 62640 Property Records

Macoupin County property record for 123 S 6th St, Girard, IL 62640

Property Summary

Property Type	Single Family Home
Lot Size	0.36 acres (15,680 sqft)
Owner	2 Individual Names on Record
Last Sale	$109,087 (Feb 2026)
Deeds & Mortgages	Sep 2017 Mortgage Feb 2026 Mortgage + 1 more
APN	`04-32-251-006`

Property Details

APN / Parcel Number

Primary APN	`04-32-251-006`
Alternative APN	`07-000-519-00`

Exterior

Lot Area	15,680 sqft (0.36 acres)
Lot Dimensions	140 ft deep x 112 ft wide

Location & Zoning

Street Address	123 S 6TH ST
City	GIRARD
State	IL
Zip	62640-1402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BAL E SIDE S 1/2 LOT 5 OP GIRARD
Legal Subdivision	OP GIRARD
Legal Lot Number	5
Jurisdiction	MACOUPIN IL
Township / Civil Division	GIRARD
Census Block Group	4
Census Block	4014
Census Tract	956100

Owner

Source: Macoupin County records, as of August 24, 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	3542 SHERMAN ST, SPRINGFIELD, IL 62703-4855
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage PRAIRIE STATE BANK & TRUST
Feb 13, 2026	Warranty Deed, Transfer · FHA Mortgage LEADERONE FINANCIAL CORP
Jul 30, 2012	Warranty Deed, Transfer PRAIRIE STATE BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2026 · Amount on Record
Deed Sale	Feb 13, 2026 · Amount on Record
Deed Document Number	2026622535
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOUPIN IL
Property Address	123 S 6TH ST, GIRARD, IL 62640-1402
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000563791
Date	Sep 11, 2017
Instrument	563791

Lender

Name	PRAIRIE STATE BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

Interest

Rate Type	Fixed Rate

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOUPIN IL
Recording Date	Feb 13, 2026
Property Address	123 S 6TH ST, GIRARD, IL 62640-1402
Document Number	0000622535
Instrument Date	Feb 13, 2026
Instrument	622535
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	123 S 6TH ST, GIRARD, IL 62640-1402

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3542 SHERMAN ST, SPRINGFIELD, IL 62703-4855

Mortgage

Document Number	0000622536
Date	Feb 13, 2026
Instrument	622536

Lender

Name	LEADERONE FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.25%

Mortgage

Document Number	0000622537
Date	Feb 13, 2026
Instrument	622537

Lender

Name	LEADERONE FINANCIAL CORP
Type	Mortgage Company
Address	OVERLAND PARK, KS 66210

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

July 2012: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOUPIN IL
Recording Date	Jul 30, 2012
Property Address	123 S 6TH ST, GIRARD, IL 62640-1402
Document Number	0000521809
Instrument Date	Jul 25, 2012
Instrument	521809
Transaction Type	Transfer
Record Updated	Feb 17, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 S 6TH ST, GIRARD, IL 62640-1402

Mortgage

Document Number	0000521810
Date	Jul 30, 2012
Instrument	521810

Lender

Name	PRAIRIE STATE BANK & TRUST
Address	402 N 3RD ST, GIRARD, IL 62640

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Aug 10, 2042

Tax Assessment & Valuation

Source: Macoupin County assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Macoupin County
County Subdivision	Girard Township
Municipality	Girard City
Unified School District	North Mac Community Unit School District 34 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$25,138 (+7%) Land $5,160 Building $19,978	$75,414 (+7%) Land $15,480 Building $59,934
2024		$23,493 (+15.56%) Land $4,822 Building $18,671	$70,479 (+15.56%) Land $14,466 Building $56,013
2022	Homeowner's exemption Senior Citizen's exemption	$20,330 Land $4,173 Building $16,157	$60,990 Land $12,519 Building $48,471

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GIRARD serves 1,885 people · EPA ID IL1170450
Water Source	Purchased surface water from OTTER LAKE WATER COMMISSION
Last State Inspection	Dec 2023
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 354 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Royell Communications Fiber	7,000 / 7,000
Sparklight Cable	1,000 / 50
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

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