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

Macoupin County property record for 315 S 7th St, Girard, IL 62640

Property Summary

Property Type	Single Family Home
Lot Size	0.73 acres (31,799 sqft)
Owner	Individual Name on Record
Last Sale	$129,010 (Sep 2022)
Tax Bill	$1,766 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Jul 2017 Sale & Mortgage
APN	`04-32-182-016`

Property Details

APN / Parcel Number

Primary APN	`04-32-182-016`
Alternative APN	`07-000-364-00`

Exterior

Lot Area	31,799 sqft (0.73 acres)

Location & Zoning

Street Address	315 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 OF 143'9 OFF N END SE SE SE NW & 65' OFF S SIDE OF 130' OF E 120' OFF N 1/2 SE SE NW 04-32-182-016
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	315 S 7TH ST, GIRARD, IL 62640-1414
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2022	Warranty Deed, Transfer · Conventional Mortgage CEFCU
Jul 21, 2017	Deed, Transfer · Conventional Mortgage UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 19, 2022 · Amount on Record
Deed Sale	Sep 19, 2022 · Amount on Record
Prior Sale	Jul 21, 2017 · Amount on Record
Deed Document Number	2022601148
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOUPIN IL
Recording Date	Sep 19, 2022
Property Address	315 S 7TH ST, GIRARD, IL 62640-1414
Document Number	0000601148
Instrument Date	Sep 9, 2022
Instrument	601148
Transaction Type	Transfer
Record Updated	Oct 5, 2022
Title Company	PRAIRIE LAND TITLE COMPANY, PRAIRIE LAND TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 S 7TH ST, GIRARD, IL 62640-1414

Mortgage

Document Number	0000601149
Date	Sep 19, 2022
Instrument	601149

Lender

Name	CEFCU

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MACOUPIN IL
Recording Date	Jul 21, 2017
Property Address	315 S 7TH ST, GIRARD, IL 62640-1414
Document Number	562742
Instrument Date	Jun 5, 2017
Instrument	562742
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$108.75
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	PO BOX 148, GILLESPIE, IL 62033-0148
Investor	Possibly a Property Investor

Mortgage

Document Number	562743
Date	Jul 21, 2017
Instrument	562743

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	3.75%

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	$1,766.00 (+5.18%)	$27,797 (+7%) Land $16,704 Building $11,093	$83,391 (+7%) Land $50,112 Building $33,279
2024	$1,679.00 (+13.45%)	$25,978 (+15.56%) Land $15,611 Building $10,367	$77,934 (+15.56%) Land $46,833 Building $31,101
2022	$1,480.00 Homeowner's exemption	$22,480 Land $13,509 Building $8,971	$67,440 Land $40,527 Building $26,913

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	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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