314 N 3rd St, Girard, IL 62640 Property Records

Macoupin County property record for 314 N 3rd St, Girard, IL 62640

Property Summary

Property Type	Single Family Home
Lot Size	0.336 acres (14,677 sqft)
Owner	Individual Name on Record
Deeds & Mortgages	Jul 2020 Mortgage Feb 2017 Mortgage
APN	`04-32-229-001`

Property Details

APN / Parcel Number

Primary APN	`04-32-229-001`
Alternative APN	`07-000-556-00`

Exterior

Lot Area	14,677 sqft (0.336 acres)

Location & Zoning

Street Address	314 N 3RD ST
City	GIRARD
State	IL
Zip	62640-1133
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BAL LOTS 5 & 6 BLK 2 O P GIRARD 04-32-229-001
Legal Block	2
Legal Lot Number	5-6
Jurisdiction	MACOUPIN IL
Township / Civil Division	GIRARD
Census Block Group	2
Census Block	2034
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	314 N 3RD ST, GIRARD, IL 62640-1133
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2020	Intrafamily Transfer, Transfer · VA Mortgage USAA FSB
Feb 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage MARINE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2020
Deed Sale	Jul 13, 2020
Prior Sale	Jan 5, 1993 · Amount on Record
Deed Document Number	2020583543
Prior Transfer Date	May 5, 2020
Prior Transfer Doc	583543
Record Updated	Oct 29, 2026

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACOUPIN IL
Recording Date	Jul 13, 2020
Property Address	314 N 3RD ST, GIRARD, IL 62640-1133
Document Number	583543
Instrument Date	May 5, 2020
Instrument	583543
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	BOSTON NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	314 N 3RD ST, GIRARD, IL 62640-1133

Mortgage

Document Number	583544
Date	Jul 13, 2020
Instrument	583544

Lender

Name	USAA FSB

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOUPIN IL
Property Address	314 N 3RD ST, GIRARD, IL 62640-1133
Transaction Type	Mortgage
Record Updated	Mar 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 559681
Date	Feb 23, 2017
Instrument	559681

Lender

Name	MARINE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 1, 2027

Interest

Rate Type	Fixed Rate

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		$52,559 (+7%) Land $4,895 Building $47,664	$157,677 (+7%) Land $14,685 Building $142,992
2024		$49,121 (+15.56%) Land $4,575 Building $44,546	$147,363 (+15.56%) Land $13,725 Building $133,638
2022	Homeowner's exemption	$42,507 Land $3,959 Building $38,548	$127,521 Land $11,877 Building $115,644

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	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.

Nearby Properties on N 3rd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures