402 S 9th St, Girard, IL 62640 Property Records

Macoupin County property record for 402 S 9th St, Girard, IL 62640

Property Summary

Property Type	Single Family Home
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$79,800 (Aug 2024)
Tax Bill	$3,537 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Oct 2025 Mortgage + 1 more
APN	`07-000-355-01`

Property Details

APN / Parcel Number

Primary APN	`07-000-355-01`
Alternative APN	`04-32-181-003`

Exterior

Lot Area	16,988 sqft (0.39 acres)

Location & Zoning

Street Address	402 S 9TH ST
City	GIRARD
State	IL
Zip	62640-1454
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S32 T12 R6 PT SE NW: COMM SW COR LOT 1 IN J.W. KITZMILLER'S ADDN; N 175.39'; W 149.93'; N 112.67'; E 149.84'; S 112.67' TO PO
Legal Range	06W
Legal Township	12N
Legal Section	32
Legal Lot Number	1
Jurisdiction	MACOUPIN IL
Township / Civil Division	GIRARD
Census Block Group	4
Census Block	4042
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	2 Individual Names on Record
Mailing Address	831 E MONROE ST, SPRINGFIELD, IL 62701-1915
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Oct 24, 2025	Deed of Trust, Mortgage · Commercial Mortgage UNITED COMMUNITY BANK
Jun 2, 2023	Warranty Deed, Transfer · Conventional Mortgage BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2024 · Amount on Record
Deed Sale	Aug 16, 2024 · Amount on Record
Prior Sale	Jun 2, 2023 · Amount on Record
Deed Document Number	2024612917
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOUPIN IL
Property Address	402 S 9TH ST, GIRARD, IL 62640-1454
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 S 9TH ST, GIRARD, IL 62640-1454

Mortgage

Document Number	0000623021
Date	Mar 16, 2026
Instrument	623021

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	AUBURN, IL 62615

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.87%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOUPIN IL
Property Address	402 S 9TH ST, GIRARD, IL 62640-1454
Transaction Type	Mortgage
Record Updated	Nov 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000620591
Date	Oct 24, 2025
Instrument	620591

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	AUBURN, IL 62615

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOUPIN IL
Recording Date	Jun 2, 2023
Property Address	402 S 9TH ST, GIRARD, IL 62640-1454
Document Number	0000605519
Instrument Date	May 31, 2023
Instrument	605519
Transaction Type	Transfer
Record Updated	Jun 21, 2023
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	402 S 9TH ST, GIRARD, IL 62640-1454

Mortgage

Document Number	0000605520
Date	Jun 2, 2023
Instrument	605520

Lender

Name	BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.25%

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	$3,537.00 (-2.32%) Homeowner's exemption Senior Citizen's exemption	$54,639 (+7%) Land $5,607 Building $49,032	$163,917 (+7%) Land $16,821 Building $147,096
2024	$3,621.00 (+7.83%) Homeowner's exemption Senior Citizen's exemption	$51,064 (+5.56%) Land $5,240 Building $45,824	$153,192 (+5.56%) Land $15,720 Building $137,472
2022	$3,358.00	$48,375 Land $8,721 Building $39,654	$145,125 Land $26,163 Building $118,962

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 96% of the US · lower than 74% 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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