126 W Mill St, Girard, IL 62640 Property Records

Macoupin County property record for 126 W Mill St, Girard, IL 62640

Property Summary

Property Type	Single Family Home
Lot Size	0.163 acres (7,082 sqft)
Owner	Individual Name on Record
Last Sale	$105,120 (Sep 2023)
Tax Bill	$1,069 (2025)
Deeds & Mortgages	Sep 2023 Second Mortgage Sep 2023 Mortgage
APN	`04-32-227-009`

Property Details

APN / Parcel Number

Primary APN	`04-32-227-009`
Alternative APN	`07-000-539-00`

Exterior

Lot Area	7,082 sqft (0.163 acres)
Lot Dimensions	66 ft deep x 107 ft wide

Location & Zoning

Street Address	126 W MILL ST
City	GIRARD
State	IL
Zip	62640-1232
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 1/2 LOT 5 BLK 1 O P GIRARD 107.3 X 66 04-32-227-009
Legal Subdivision	GIRARD
Legal Block	1
Legal Lot Number	5
Jurisdiction	MACOUPIN IL
Township / Civil Division	GIRARD
Census Block Group	2
Census Block	2015
Census Tract	956100

Owner

Source: Macoupin County records, as of August 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	126 W MILL ST, GIRARD, IL 62640-1232
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Sep 12, 2023	Deed of Trust, Mortgage · FHA Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2023 · Amount on Record
Deed Sale	Sep 12, 2023 · Amount on Record
Prior Sale	Jul 13, 2016 · Amount on Record
Deed Document Number	2023607278
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOUPIN IL
Property Address	126 W MILL ST, GIRARD, IL 62640-1232
Transaction Type	Mortgage
Record Updated	Oct 19, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 W MONROE ST, GIRARD, IL 62640-1534

Mortgage

Document Number	0000607280
Date	Sep 12, 2023
Instrument	607280

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOUPIN IL
Property Address	126 W MILL ST, GIRARD, IL 62640-1232
Transaction Type	Mortgage
Record Updated	Oct 19, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000607279
Date	Sep 12, 2023
Instrument	607279

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.5%

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	$1,069.00 (+6.58%)	$19,199 (+7%) Land $2,315 Building $16,884	$57,597 (+7%) Land $6,945 Building $50,652
2024	$1,003.00 (+17.17%)	$17,943 (+15.56%) Land $2,164 Building $15,779	$53,829 (+15.56%) Land $6,492 Building $47,337
2022	$856.00 Homeowner's exemption	$15,527 Land $1,873 Building $13,654	$46,581 Land $5,619 Building $40,962

Assessed value is set for property tax purposes, not a market price estimate; it is 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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