401 W Chestnut St, Gillespie, IL 62033 Property Records

Macoupin County property record for 401 W Chestnut St, Gillespie, IL 62033

Property Summary

Property Type	Single Family Home
Lot Size	0.254 acres (11,104 sqft)
Owner	2 Individual Names on File
Last Sale	$197,960 (Aug 2026)
Tax Bill	$1,488 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Dec 2025 Line of Credit + 1 more
APN	`19-24-251-020`

Property Details

APN / Parcel Number

Primary APN	`19-24-251-020`
Alternative APN	`10-001-019-00`

Exterior

Lot Area	11,104 sqft (0.254 acres)

Location & Zoning

Street Address	401 W CHESTNUT ST
City	GILLESPIE
State	IL
Zip	62033-1510
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 16' LOT 9 & ALL LOT 8 BLK W O P GILLESPIE 19-24-251-020
Legal Subdivision	ORIGINAL PLAT OF THE CITY
Legal Block	W
Legal Lot Number	9-8
Jurisdiction	MACOUPIN IL
Township / Civil Division	GILLESPIE
Census Block Group	3
Census Block	3036
Census Tract	956900

Owner

401 W Chestnut St is owned and occupied by two individuals who bought it in August 2026.

Source: Macoupin County records, as of August 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	401 W CHESTNUT ST, GILLESPIE, IL 62033-1510
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Aug 11, 2026	Warranty Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL
Dec 29, 2025	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Sep 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2026 · Amount on File
Deed Sale	Aug 11, 2026 · Amount on File
Deed Document Number	2026625786
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOUPIN IL
Recording Date	Aug 11, 2026
Property Address	401 W CHESTNUT ST, GILLESPIE, IL 62033-1510
Document Number	0000625786
Instrument Date	Aug 10, 2026
Instrument	2026625786
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	COMMUNITY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 W CHESTNUT ST, GILLESPIE, IL 62033-1510

Mortgage

Document Number	0000625786,
Date	Aug 11, 2026
Instrument	2026625786

Lender

Name	GENEVA FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.88%
Initial Type	Fixed Rate
Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOUPIN IL
Property Address	401 W CHESTNUT ST, GILLESPIE, IL 62033-1510
Transaction Type	Mortgage
Record Updated	Jan 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000621732
Date	Dec 29, 2025
Instrument	621732

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	GILLESPIE, IL 62033

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Dec 23, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOUPIN IL
Property Address	401 W CHESTNUT ST, GILLESPIE, IL 62033-1510
Transaction Type	Mortgage
Record Updated	Oct 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	570999
Date	Sep 21, 2018
Instrument	570999

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 401 W Chestnut St was $1,488 with exemptions applied, up 8% 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	Gillespie Township
Municipality	Gillespie City
Unified School District	Gillespie Community Unit School District 7 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,488.00 (+7.98%)	$34,480 (+7%) Land $2,257 Building $32,223	$103,440 (+7%) Land $6,771 Building $96,669
2024	$1,378.00 Homeowner's exemption Senior Citizen's exemption	$32,224 Land $2,109 Building $30,115	$96,672 Land $6,327 Building $90,345
2022	$1,199.00 Homeowner's exemption Senior Citizen's exemption	$27,885 Land $1,825 Building $26,060	$83,655 Land $5,475 Building $78,180

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA has no flood map on file for 401 W Chestnut St; there have been 1 flood claim nearby since 2008.

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
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2008 · Severe Storms And Flooding

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

The area around 401 W Chestnut St has no burnable land within ember reach, so its wildfire risk is not rated.

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	GILLESPIE serves 3,737 people · EPA ID IL1170400
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator, with a treatment or procedure violation still open.

Water Quality	Treatment failure resolved · Jan 2026
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	13 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 407 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Sparklight Cable	1,000 / 50

May also be available: Fidium Fiber, Madison Communications, Nextlink.

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