511 E Center St, Girard, IL 62640 Property Records

Macoupin County property record for 511 E Center St, Girard, IL 62640

Property Summary

Property Type	Single Family Home
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$57,190 (Feb 2024)
Tax Bill	$1,076 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Mar 2021 Sale & Mortgage + 2 more
APN	`04-33-176-002`

Property Details

APN / Parcel Number

Primary APN	`04-33-176-002`
Alternative APN	`07-000-278-00`

Exterior

Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	130 ft deep x 60 ft wide

Location & Zoning

Street Address	511 E CENTER ST
City	GIRARD
State	IL
Zip	62640-1307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S33 T12 R6 OFF N SIDE SW NW (LOT 2) 60 X 130 04-33-176-002
Legal Range	06W
Legal Township	12N
Legal Section	33
Legal Lot Number	2
Jurisdiction	MACOUPIN IL
Township / Civil Division	GIRARD
Census Block Group	1
Census Block	1070
Census Tract	956100

Owner

Source: Macoupin County records, as of July 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	226 E MADISON ST, GIRARD, IL 62640-1622
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage BANK & TRUST CO
Mar 29, 2021	Warranty Deed, Transfer · Conventional Mortgage BANK & TRUST CO
Aug 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Sep 29, 2020	Warranty Deed, Construction Loan · Construction Mortgage UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2024 · Amount on Record
Deed Sale	Feb 1, 2024 · Amount on Record
Prior Sale	Mar 29, 2021 · Amount on Record
Deed Document Number	2024609457
Prior Transfer Date	Apr 15, 2016
Prior Transfer Doc	553425
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOUPIN IL
Recording Date	Feb 1, 2024
Property Address	511 E CENTER ST, GIRARD, IL 62640-1307
Document Number	0000609457
Instrument Date	Jan 31, 2024
Instrument	609457
Transaction Type	Transfer
Record Updated	Feb 21, 2024
Title Company	ACCOMODATION, ACCOMMODATION

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	226 E MADISON ST, GIRARD, IL 62640-1622

Mortgage

Document Number	0000609458
Date	Feb 1, 2024
Instrument	609458

Lender

Name	BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 1, 2044

Interest

Rate Type	Adjustable Rate

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOUPIN IL
Recording Date	Mar 29, 2021
Property Address	511 E CENTER ST, GIRARD, IL 62640-1307
Document Number	589763
Instrument Date	Mar 26, 2021
Instrument	589763
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$87.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	511 E CENTER ST, GIRARD, IL 62640-1307

Mortgage

Document Number	589764
Date	Mar 29, 2021
Instrument	589764

Lender

Name	BANK & TRUST CO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	3.75%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOUPIN IL
Property Address	511 E CENTER ST, GIRARD, IL 62640-1307
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	563233
Date	Aug 17, 2017
Instrument	563233

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Sep 2, 2022

Interest

Rate Type	Adjustable Rate
Min Rate At Change	4.75%
Max Rate At Change	10.7%

September 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MACOUPIN IL
Recording Date	Sep 29, 2020
Property Address	511 E CENTER ST, GIRARD, IL 62640-1307
Document Number	585555
Instrument Date	Sep 18, 2020
Instrument	585555
Transaction Type	Construction Loan
Record Updated	Jul 22, 2021
Title Company	LANGE TITLE

Transaction

Amount	Amount Recorded
Tax	$27.00
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	29998 RED OAK LN, GIRARD, IL 62640-7118

Mortgage

Document Number	585556
Date	Sep 29, 2020
Instrument	585556

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate	4.25%

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	$1,076.00 (+6.53%)	$19,283 (+7%) Land $2,581 Building $16,702	$57,849 (+7%) Land $7,743 Building $50,106
2024	$1,010.00 (+7.56%)	$18,021 (+9.54%) Land $2,412 Building $15,609	$54,063 (+9.54%) Land $7,236 Building $46,827
2022	$939.00 Homeowner's exemption	$16,451 Land $2,087 Building $14,364	$49,353 Land $6,261 Building $43,092

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 233 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

May also be available: Nextlink.

Nearby Properties on E Center St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures