417 N 2nd St, Girard, IL 62640 Property Records

Macoupin County property record for 417 N 2nd St, Girard, IL 62640

Property Summary

Property Type	Single Family Home
Lot Size	0.418 acres (18,206 sqft)
Owner	Individual Name on Record
Last Sale	$112,062 (Aug 2023)
Tax Bill	$2,984 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jan 2020 Sale & Mortgage + 2 more
APN	`04-32-226-006`

Property Details

APN / Parcel Number

Primary APN	`04-32-226-006`
Alternative APN	`07-000-551-00`

Exterior

Lot Area	18,206 sqft (0.418 acres)

Location & Zoning

Street Address	417 N 2ND ST
City	GIRARD
State	IL
Zip	62640-1217
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 1/2 OF LOTS 1 & 2 EX S 5' THEREOF & ALL LAND LYING ON E SIDE OF BRANCH LOT 3 BLK 2 O P GIRARD
Legal Block	2
Legal Lot Number	1-3
Jurisdiction	MACOUPIN IL
Township / Civil Division	GIRARD
Census Block Group	2
Census Block	2034
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	417 N 2ND ST, GIRARD, IL 62640-1217
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2023	Warranty Deed, Transfer · FHA Mortgage AMERICAN NEIGHBORHOOD MORTGAGE
Jan 16, 2020	Warranty Deed, Transfer · FHA Mortgage US BANK NA
Sep 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage WARREN BOYNTON STATE BANK
Oct 18, 2018	Warranty Deed, Transfer QUALITY TITLE INC, QUALITY TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2023 · Amount on Record
Deed Sale	Aug 7, 2023 · Amount on Record
Prior Sale	Jan 16, 2020 · Amount on Record
Deed Document Number	2023606635
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOUPIN IL
Recording Date	Aug 7, 2023
Property Address	417 N 2ND ST, GIRARD, IL 62640-1217
Document Number	0000606635
Instrument Date	Jul 12, 2023
Instrument	606635
Transaction Type	Transfer
Record Updated	Aug 24, 2023
Title Company	CORNERSTONE TITLE-OREM, CORNERSTONE TITLE

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	417 N 2ND ST, GIRARD, IL 62640-1217

Mortgage

Document Number	0000606636
Date	Aug 7, 2023
Instrument	606636

Lender

Name	AMERICAN NEIGHBORHOOD MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.37%

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOUPIN IL
Recording Date	Jan 16, 2020
Property Address	417 N 2ND ST, GIRARD, IL 62640-1217
Document Number	579949
Instrument Date	Jan 10, 2020
Instrument	579949
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$93.00
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	417 N 2ND ST, GIRARD, IL 62640-1217

Mortgage

Document Number	579950
Date	Jan 16, 2020
Instrument	579950

Lender

Name	US BANK NA

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	0000579951
Date	Jan 16, 2020
Instrument	579951

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOUPIN IL
Property Address	417 N 2ND ST, GIRARD, IL 62640-1217
Transaction Type	Mortgage
Record Updated	Sep 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	577292
Date	Sep 3, 2019
Instrument	577292

Lender

Name	WARREN BOYNTON STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 30, 2020

Interest

Rate Type	Fixed Rate

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOUPIN IL
Recording Date	Oct 18, 2018
Property Address	417 N 2ND ST, GIRARD, IL 62640-1217
Document Number	571629
Instrument Date	Oct 18, 2018
Instrument	571629
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	QUALITY TITLE INC, QUALITY TITLE

Transaction

Amount	Amount Recorded
Tax	$50.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	417 N 2ND ST, GIRARD, IL 62640-1217

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	$2,984.00 (+4.37%)	$42,817 (+7%) Land $4,446 Building $38,371	$128,451 (+7%) Land $13,338 Building $115,113
2024	$2,859.00 (+11.16%)	$40,016 (+15.56%) Land $4,155 Building $35,861	$120,048 (+15.56%) Land $12,465 Building $107,583
2022	$2,572.00 Homeowner's exemption	$34,628 Land $3,595 Building $31,033	$103,884 Land $10,785 Building $93,099

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 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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