320 E Center St, Girard, IL 62640 Property Records

Macoupin County property record for 320 E Center St, Girard, IL 62640

Property Summary

Property Type	Single Family Home
Lot Size	0.29 acres (12,645 sqft)
Owner	Individual Name on Record
Last Sale	$65,165 (Mar 2022)
Tax Bill	$1,373 (2025)
Deeds & Mortgages	Feb 2019 Mortgage Mar 2022 Sale & Mortgage
APN	`04-33-108-009`

Property Details

APN / Parcel Number

Primary APN	`04-33-108-009`
Alternative APN	`07-001-104-00`

Exterior

Lot Area	12,645 sqft (0.29 acres)
Lot Dimensions	140 ft deep x 90 ft wide

Location & Zoning

Street Address	320 E CENTER ST
City	GIRARD
State	IL
Zip	62640-1304
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT W 1/2 LOT 24 - S M MCNIGHTS OUTLOTS BEG SW COR LOT 24, TH N 163.5', E 90', S 163.5', TH W TO POB (EX N 23') 04-33-108-009
Legal Subdivision	MCKNIGHTS SM OUTLOTS,
Legal Lot Number	24
Jurisdiction	MACOUPIN IL
Township / Civil Division	GIRARD
Census Block Group	2
Census Block	2007
Census Tract	956100

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	320 E CENTER ST, GIRARD, IL 62640-1304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Mar 8, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2022 · Amount on Record
Deed Sale	Mar 8, 2022 · Amount on Record
Prior Sale	Feb 1, 2013 · Amount on Record
Deed Document Number	2022597374
Record Updated	Oct 29, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOUPIN IL
Property Address	320 E CENTER ST, GIRARD, IL 62640-1304
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000573416
Date	Feb 1, 2019
Instrument	573416

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Feb 1, 2024

Interest

Rate Type	Fixed Rate

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOUPIN IL
Recording Date	Mar 8, 2022
Property Address	320 E CENTER ST, GIRARD, IL 62640-1304
Document Number	0000597374
Instrument Date	Feb 23, 2022
Instrument	597374
Transaction Type	Transfer
Record Updated	Mar 23, 2022
Title Company	PRAIRIE LAND TITLE COMPANY, PRAIRIE LAND TITLE CO

Transaction

Amount	Amount Recorded
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	320 E CENTER ST, GIRARD, IL 62640-1304

Mortgage

Document Number	0000597375
Date	Mar 8, 2022
Instrument	597375

Lender

Name	MORTGAGE RESEARCH CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate	4.12%

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	$1,373.00 (+5.78%)	$22,948 (+7%) Land $4,169 Building $18,779	$68,844 (+7%) Land $12,507 Building $56,337
2024	$1,298.00 (-22.14%)	$21,446 (+15.56%) Land $3,896 Building $17,550	$64,338 (+15.56%) Land $11,688 Building $52,650
2022	$1,667.00	$18,558 Land $3,371 Building $15,187	$55,674 Land $10,113 Building $45,561

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 233 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

May also be available: Nextlink.

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