421 S 6th St, Girard, IL 62640 Property Records

Macoupin County property record for 421 S 6th St, Girard, IL 62640

Property Summary

Property Type	Single Family Home
Lot Size	0.322 acres (14,022 sqft)
Owner	Individual Name on Record
Last Sale	$169,176 (Oct 2025)
Tax Bill	$2,688 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2021 Mortgage
APN	`04-32-263-004`

Property Details

APN / Parcel Number

Primary APN	`04-32-263-004`
Alternative APN	`07-000-529-00`

Exterior

Lot Area	14,022 sqft (0.322 acres)
Lot Dimensions	130 ft deep x 107 ft wide

Location & Zoning

Street Address	421 S 6TH ST
City	GIRARD
State	IL
Zip	62640-1408
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 1/2 E 1/2 LOT 8 O P GIRARD 107.3 X 130.68 04-32-263-004
Legal Lot Number	8
Jurisdiction	MACOUPIN IL
Township / Civil Division	GIRARD
Census Block Group	4
Census Block	4052
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	421 S 6TH ST, GIRARD, IL 62640-1408
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY BANK
Oct 26, 2021	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2025 · Amount on Record
Deed Sale	Oct 15, 2025 · Amount on Record
Prior Sale	Oct 26, 2021
Deed Document Number	2025620435
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOUPIN IL
Recording Date	Oct 15, 2025
Property Address	421 S 6TH ST, GIRARD, IL 62640-1408
Document Number	0000620435
Instrument Date	Oct 14, 2025
Instrument	620435
Transaction Type	Transfer
Record Updated	Nov 3, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 S 6TH ST, GIRARD, IL 62640-1408

Mortgage

Document Number	0000620436
Date	Oct 15, 2025
Instrument	620436

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.12%

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOUPIN IL
Recording Date	Oct 26, 2021
Property Address	421 S 6TH ST, GIRARD, IL 62640-1408
Document Number	594722
Instrument Date	Oct 21, 2021
Instrument	594722
Transaction Type	Transfer
Record Updated	Nov 10, 2021
Title Company	ZELLE TITLE SERVICES

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 S 6TH ST, GIRARD, IL 62640-1408

Mortgage

Document Number	594723
Date	Oct 26, 2021
Instrument	594723

Lender

Name	FLAT BRANCH MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	3.12%

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	$2,688.00 (+4.51%)	$39,172 (+7%) Land $4,597 Building $34,575	$117,516 (+7%) Land $13,791 Building $103,725
2024	$2,572.00 (+11.49%)	$36,609 (+15.56%) Land $4,296 Building $32,313	$109,827 (+15.56%) Land $12,888 Building $96,939
2022	$2,307.00 Homeowner's exemption	$31,680 Land $3,718 Building $27,962	$95,040 Land $11,154 Building $83,886

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 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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