30280 Cedar Ln, Girard, IL 62640 Property Records

Macoupin County property record for 30280 Cedar Ln, Girard, IL 62640

Property Summary

Property Type	Single Family Home
Lot Size	0.539 acres (23,483 sqft)
Owner	Individual Name on File
Last Sale	$40,000 (Dec 2005)
Tax Bill	$4,190 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Sep 2017 Mortgage + 2 more
APN	`03-34-428-007`

Property Details

APN / Parcel Number

Primary APN	`03-34-428-007`
Alternative APN	`14-000-606-00`

Exterior

Lot Area	23,483 sqft (0.539 acres)

Location & Zoning

Street Address	30280 CEDAR LN
City	GIRARD
State	IL
Zip	62640-7287
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 BLK 11 SUNSET LAKE LEASES (METER # 79) 03-34-428-007
Legal Subdivision	SUNSET LAKE LEASES
Legal Block	11
Legal Lot Number	2
Jurisdiction	MACOUPIN IL
Township / Civil Division	NORTH OTTER
Census Block Group	3
Census Block	3054
Census Tract	956100

Owner

30280 Cedar Ln is owned and occupied by an individual who bought it in December 2005.

Source: Macoupin County records, as of July 7, 2026

Owner of Record	Individual Name on File
Mailing Address	30280 CEDAR LN, GIRARD, IL 62640-7287
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2024	Deed of Trust, Mortgage · Line of Credit THE FIRST NATIONAL BANK OF RAYMOND
Sep 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Jul 2, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANK OF PONTIAC
Oct 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2005 · Amount on File
Deed Sale	Dec 14, 2005 · Amount on File
Deed Document Number	2005455117
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOUPIN IL
Property Address	30280 CEDAR LN, GIRARD, IL 62640-7287
Transaction Type	Mortgage
Record Updated	Mar 27, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30280 CEDAR LN, GIRARD, IL 62640-7287

Mortgage

Document Number	0000610188
Date	Mar 14, 2024
Instrument	610188

Lender

Name	THE FIRST NATIONAL BANK OF RAYMOND
Type	Bank
Address	PAWNEE, IL 62558

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	84 Months
Due	Mar 13, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOUPIN IL
Property Address	30280 CEDAR LN, GIRARD, IL 62640-7287
Transaction Type	Mortgage
Record Updated	Jul 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	564056
Date	Sep 25, 2017
Instrument	564056

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Sep 16, 2022

Interest

Rate Type	Adjustable Rate
Min Rate At Change	2%
Max Rate At Change	10.5%

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOUPIN IL
Property Address	30280 CEDAR LN, GIRARD, IL 62640-7287
Transaction Type	Mortgage
Record Updated	Jul 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	569403
Date	Jul 2, 2018
Instrument	569403

Lender

Name	BANK OF PONTIAC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 5, 2048

Interest

Rate Type	Fixed Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOUPIN IL
Property Address	30280 CEDAR LN, GIRARD, IL 62640-7287
Transaction Type	Mortgage
Record Updated	Jul 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	564510
Date	Oct 17, 2017
Instrument	564510

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 30280 Cedar Ln was $4,190, up 4% from the year before.

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

Property Jurisdictions

Type	Name
State	Illinois
County	Macoupin County
County Subdivision	North Otter Township
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	$4,190.00 (+4.05%)	$61,224 (+2.18%) Land $11,556 Building $49,668	$183,672 (+2.18%) Land $34,668 Building $149,004
2024	$4,027.00	$59,919 Land $10,800 Building $49,119	$179,757 Land $32,400 Building $147,357
2022	$3,494.00 Homeowner's exemption	$48,015 Land $7,846 Building $40,169	$144,045 Land $23,538 Building $120,507

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 30280 Cedar Ln; 1 flood insurance policy is in force nearby.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 30280 Cedar Ln is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50

May also be available: Nextlink, Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cedar Ln

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