414 N 7th St, Girard, IL 62640 Property Records

Macoupin County property record for 414 N 7th St, Girard, IL 62640

Property Summary

Property Type	Single Family Home
Lot Size	0.217 acres (9,438 sqft)
Owner	Individual Name on Record
Last Sale	$69,160 (Feb 2023)
Tax Bill	$2,163 (2025)
Deeds & Mortgages	Mar 2023 Transfer Feb 2023 Sale & Mortgage
APN	`04-32-201-001`

Property Details

APN / Parcel Number

Primary APN	`04-32-201-001`
Alternative APN	`07-000-492-00`

Exterior

Lot Area	9,438 sqft (0.217 acres)
Lot Dimensions	132 ft deep x 71.5 ft wide

Location & Zoning

Street Address	414 N 7TH ST
City	GIRARD
State	IL
Zip	62640-1006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 1/3 OF W 1/2 OUT LOT 1 O P GIRARD
Legal Subdivision	OP GIRARD
Legal Lot Number	1
Jurisdiction	MACOUPIN IL
Township / Civil Division	GIRARD
Census Block Group	2
Census Block	2028
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	414 N 7TH ST, GIRARD, IL 62640-1006
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2023	Intrafamily Transfer, Transfer PRAIRIE LAND TITLE COMPANY, PRAIRIE LAND TITLE CO
Feb 23, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 23, 2023 · Amount on Record
Deed Sale	Feb 23, 2023 · Amount on Record
Prior Sale	May 7, 2013 · Amount on Record
Deed Document Number	2023603856
Prior Transfer Date	Feb 22, 2023
Prior Transfer Doc	0000604126
Record Updated	Oct 29, 2026

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACOUPIN IL
Recording Date	Mar 9, 2023
Property Address	414 N 7TH ST, GIRARD, IL 62640-1006
Document Number	0000604126
Instrument Date	Feb 22, 2023
Instrument	604126
Transaction Type	Transfer
Record Updated	Mar 22, 2023
Title Company	PRAIRIE LAND TITLE COMPANY, PRAIRIE LAND TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
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	414 N 7TH ST, GIRARD, IL 62640-1006

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOUPIN IL
Recording Date	Feb 23, 2023
Property Address	414 N 7TH ST, GIRARD, IL 62640-1006
Document Number	0000603856
Instrument Date	Feb 17, 2023
Instrument	603856
Transaction Type	Transfer
Record Updated	Mar 8, 2023
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	414 N 7TH ST, GIRARD, IL 62640-1006

Mortgage

Document Number	0000603857
Date	Feb 23, 2023
Instrument	603857

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Fixed Rate
Rate	5.87%

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	$2,163.00 (+4.85%)	$32,687 (+7%) Land $3,109 Building $29,578	$98,061 (+7%) Land $9,327 Building $88,734
2024	$2,063.00 (+12.36%)	$30,549 (+15.56%) Land $2,906 Building $27,643	$91,647 (+15.56%) Land $8,718 Building $82,929
2022	$1,836.00 Homeowner's exemption	$26,436 Land $2,515 Building $23,921	$79,308 Land $7,545 Building $71,763

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 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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.

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