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

Macoupin County property record for 223 S 6th St, Girard, IL 62640

Property Summary

Property Type	Single Family Home
Lot Size	0.524 acres (22,836 sqft)
Owner	Individual Name on Record
Tax Bill	$3,980 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Sep 2021 Mortgage
APN	`04-32-255-004`

Property Details

APN / Parcel Number

Primary APN	`04-32-255-004`
Alternative APN	`07-000-523-00`

Exterior

Lot Area	22,836 sqft (0.524 acres)
Lot Dimensions	173 ft deep x 132 ft wide

Location & Zoning

Street Address	223 S 6TH ST
City	GIRARD
State	IL
Zip	62640-1404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SE LOT 6 O P GIRARD 132 X 173 04-32-255-004
Legal Lot Number	6
Jurisdiction	MACOUPIN IL
Township / Civil Division	GIRARD
Census Block Group	4
Census Block	4044
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	223 S 6TH ST, GIRARD, IL 62640-1404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK & TRUST CO
Sep 28, 2021	Warranty Deed, Transfer · Conventional Mortgage STEARNS LENDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2021
Deed Sale	Sep 28, 2021
Prior Sale	May 7, 2007 · Amount on Record
Deed Document Number	2021594074
Record Updated	Sep 20, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOUPIN IL
Property Address	223 S 6TH ST, GIRARD, IL 62640-1404
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	578740
Date	Nov 14, 2019
Instrument	578740

Lender

Name	BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 5, 2034

Interest

Rate Type	Adjustable Rate
Min Rate At Change	3.95%
Max Rate At Change	11.7%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOUPIN IL
Recording Date	Sep 28, 2021
Property Address	223 S 6TH ST, GIRARD, IL 62640-1404
Document Number	594074
Instrument Date	Sep 24, 2021
Instrument	594074
Transaction Type	Transfer
Record Updated	Nov 25, 2021
Title Company	ILLINOIS REAL ESTATE TITLE CENTER LLC, ILLINOIS REAL ESTATE TITLE C

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	233 S 6TH ST, GIRARD, IL 62640-1404

Mortgage

Document Number	594075
Date	Sep 28, 2021
Instrument	594075

Lender

Name	STEARNS LENDING INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	3.37%

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	$3,980.00 (+4.08%)	$55,104 (+7%) Land $7,541 Building $47,563	$165,312 (+7%) Land $22,623 Building $142,689
2024	$3,824.00 (+10.36%)	$51,499 (+15.56%) Land $7,048 Building $44,451	$154,497 (+15.56%) Land $21,144 Building $133,353
2022	$3,465.00 Homeowner's exemption	$44,564 Land $6,099 Building $38,465	$133,692 Land $18,297 Building $115,395

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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