311 S 7th St, Girard, IL 62640 Property Records

Macoupin County property record for 311 S 7th St, Girard, IL 62640

Property Summary

Property Type	Single Family Home
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$4,000 (Jul 2020)
Tax Bill	$1,896 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Dec 2020 Mortgage + 2 more
APN	`04-32-182-015`

Property Details

APN / Parcel Number

Primary APN	`04-32-182-015`
Alternative APN	`07-000-368-00`

Exterior

Lot Area	6,970 sqft (0.16 acres)

Location & Zoning

Street Address	311 S 7TH ST
City	GIRARD
State	IL
Zip	62640-1414
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S32 T12 R6 N 1/2 OFF S 1/2 SE SE NW GIRARD CORPORATION 04-32-182-015
Legal Range	06W
Legal Township	12N
Legal Section	32
Jurisdiction	MACOUPIN IL
Township / Civil Division	GIRARD
Census Block Group	4
Census Block	4043
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	311 S 7TH ST, GIRARD, IL 62640-1414
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2023	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Dec 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Jul 20, 2020	Warranty Deed, Transfer
Jul 23, 2018	Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2020 · Amount on Record
Deed Sale	Jul 20, 2020 · Amount on Record
Prior Sale	Jul 23, 2018 · Amount on Record
Deed Document Number	2020583772
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOUPIN IL
Property Address	311 S 7TH ST, GIRARD, IL 62640-1414
Transaction Type	Mortgage
Record Updated	Jan 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000603263
Date	Jan 13, 2023
Instrument	603263

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 9, 2038

Interest

Rate Type	Adjustable Rate
Rate	7%
Min Rate At Change	7%
Max Rate At Change	13%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOUPIN IL
Property Address	311 S 7TH ST, GIRARD, IL 62640-1414
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	587371
Date	Dec 9, 2020
Instrument	587371

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOUPIN IL
Recording Date	Jul 20, 2020
Property Address	311 S 7TH ST, GIRARD, IL 62640-1414
Document Number	583772
Instrument Date	Jul 18, 2020
Instrument	583772
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Amount	Amount Recorded
Tax	$6.00
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	18978 WASHER RD, GILLESPIE, IL 62033-3202

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOUPIN IL
Recording Date	Jul 23, 2018
Property Address	311 S 7TH ST, GIRARD, IL 62640-1414
Document Number	569755
Instrument Date	Jun 29, 2018
Instrument	569755
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$141.00
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	311 S 7TH ST, GIRARD, IL 62640-1414

Mortgage

Document Number	569756
Date	Jul 23, 2018
Instrument	569756

Lender

Name	UNITED COMMUNITY 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	$1,896.00 (+5.04%)	$29,404 (+7%) Land $2,282 Building $27,122	$88,212 (+7%) Land $6,846 Building $81,366
2024	$1,805.00 (+13.02%)	$27,481 (+15.56%) Land $2,133 Building $25,348	$82,443 (+15.56%) Land $6,399 Building $76,044
2022	$1,597.00 Homeowner's exemption	$23,781 Land $1,846 Building $21,935	$71,343 Land $5,538 Building $65,805

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

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	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 131 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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