221 N 6th St, Girard, IL 62640 Property Records

Macoupin County property record for 221 N 6th St, Girard, IL 62640

Property Summary

Property Type	Single Family Home
Lot Size	0.262 acres (11,418 sqft)
Owner	Individual Name on Record
Last Sale	$216,736 (Dec 2025)
Tax Bill	$1,984 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Dec 2025 Mortgage + 3 more
APN	`04-32-209-003`

Property Details

APN / Parcel Number

Primary APN	`04-32-209-003`
Alternative APN	`07-000-502-00`

Exterior

Lot Area	11,418 sqft (0.262 acres)
Lot Dimensions	132 ft deep x 86.5 ft wide

Location & Zoning

Street Address	221 N 6TH ST
City	GIRARD
State	IL
Zip	62640-1003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SE N 1/2 LOT 3 OP GIRARD
Legal Subdivision	ORIGINAL PLAT OF THE CITY OF GIRARD
Legal Lot Number	3
Jurisdiction	MACOUPIN IL
Township / Civil Division	GIRARD
Census Block Group	2
Census Block	2045
Census Tract	956100

Owner

Source: Macoupin County records, as of July 7, 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	221 N 6TH ST, GIRARD, IL 62640-1003
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage PRAIRIE STATE BANK & TRUST
Dec 11, 2025	Warranty Deed, Transfer · Conventional Mortgage LUMINATE BANK
Apr 11, 2017	Warranty Deed, Transfer PRAIRIE TITLE, PRAIRIE LAND TITLE
Apr 11, 2017	Deed, Transfer · Conventional Mortgage PRAIRIE LAND TITLE
Apr 11, 2017	Deed, Transfer · Conventional Mortgage PRAIRIE STATE BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2025 · Amount on Record
Deed Sale	Dec 11, 2025 · Amount on Record
Prior Sale	Apr 11, 2017 · Amount on Record
Deed Document Number	2025621389
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOUPIN IL
Property Address	221 N 6TH ST, GIRARD, IL 62640-1003
Transaction Type	Mortgage
Record Updated	Jan 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000584838
Date	Aug 31, 2020
Instrument	584838

Lender

Name	PRAIRIE STATE BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOUPIN IL
Recording Date	Dec 11, 2025
Property Address	221 N 6TH ST, GIRARD, IL 62640-1003
Document Number	0000621389
Instrument Date	Dec 10, 2025
Instrument	621389
Transaction Type	Transfer
Record Updated	Jan 1, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 N 6TH ST, GIRARD, IL 62640-1003

Mortgage

Document Number	0000621390
Date	Dec 11, 2025
Instrument	621390

Lender

Name	LUMINATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.5%

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOUPIN IL
Recording Date	Apr 11, 2017
Property Address	221 N 6TH ST, GIRARD, IL 62640-1003
Document Number	560726
Instrument Date	Apr 4, 2017
Instrument	560726
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	PRAIRIE TITLE, PRAIRIE LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$157.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 N 6TH ST, GIRARD, IL 62640-1003

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MACOUPIN IL
Recording Date	Apr 11, 2017
Property Address	221 N 6TH ST, GIRARD, IL 62640-1003
Document Number	560726
Instrument Date	Apr 4, 2017
Instrument	560726
Transaction Type	Transfer
Record Updated	Feb 7, 2021
Title Company	PRAIRIE LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$157.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 N 6TH ST, GIRARD, IL 62640-1003

Mortgage

Document Number	, 560727
Date	Apr 11, 2017
Instrument	560727

Lender

Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	4.25%

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MACOUPIN IL
Recording Date	Apr 11, 2017
Property Address	221 N 6TH ST, GIRARD, IL 62640-1003
Document Number	560726
Instrument Date	Apr 4, 2017
Instrument	560726
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	PRAIRIE TITLE, PRAIRIE LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$157.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 N 6TH ST, GIRARD, IL 62640-1003

Mortgage

Document Number	560727
Date	Apr 11, 2017
Instrument	560727

Lender

Name	PRAIRIE STATE BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	4.25%

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	$1,984.00 (+4.97%)	$30,486 (+7%) Land $3,772 Building $26,714	$91,458 (+7%) Land $11,316 Building $80,142
2024	$1,890.00 (+12.77%)	$28,491 (+15.56%) Land $3,525 Building $24,966	$85,473 (+15.56%) Land $10,575 Building $74,898
2022	$1,676.00 Homeowner's exemption	$24,655 Land $3,050 Building $21,605	$73,965 Land $9,150 Building $64,815

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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