615 W Mill St, Girard, IL 62640 Property Records

Macoupin County property record for 615 W Mill St, Girard, IL 62640

Property Summary

Property Type	Single Family Home
Lot Size	0.406 acres (17,704 sqft)
Owner	Individual Name on Record
Tax Bill	$3,475 (2025)
Deeds & Mortgages	Aug 2022 Transfer Jul 2021 Mortgage
APN	`04-32-205-002`

Property Details

APN / Parcel Number

Primary APN	`04-32-205-002`
Alternative APN	`07-000-496-00`

Exterior

Lot Area	17,704 sqft (0.406 acres)
Lot Dimensions	107 ft deep x 165 ft wide

Location & Zoning

Street Address	615 W MILL ST
City	GIRARD
State	IL
Zip	62640-1029
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 165' OF N 1/2 LOT 2 O P GIRARD 165 X 107.3 04-32-205-002
Legal Lot Number	2
Jurisdiction	MACOUPIN IL
Township / Civil Division	GIRARD
Census Block Group	2
Census Block	2044
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	615 W MILL ST, GIRARD, IL 62640-1029
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2022	Transfer on Death Deed, Transfer
Jul 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2002
Deed Sale	Feb 7, 2002
Deed Document Number	2002404048
Record Updated	Sep 20, 2026

August 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MACOUPIN IL
Recording Date	Aug 19, 2022
Property Address	615 W MILL ST, GIRARD, IL 62640-1017
Document Number	0000600616
Instrument Date	Aug 16, 2022
Instrument	600616
Transaction Type	Transfer
Record Updated	Aug 31, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	615 W MILL ST, 615, GIRARD, IL 62640-1017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 W MILL ST, GIRARD, IL 62640-1017

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOUPIN IL
Property Address	615 W MILL ST, GIRARD, IL 62640-1017
Transaction Type	Mortgage
Record Updated	Jul 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	592368
Date	Jul 14, 2021
Instrument	592368

Lender

Name	CARDINAL FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate

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	$3,475.00 (+5.05%)	$53,883 (+7%) Land $5,822 Building $48,061	$161,649 (+7%) Land $17,466 Building $144,183
2024	$3,308.00 (+13.02%) Homeowner's exemption Senior Citizen's exemption	$50,358 (+15.56%) Land $5,441 Building $44,917	$151,074 (+15.56%) Land $16,323 Building $134,751
2022	$2,927.00 Homeowner's exemption Senior Citizen's exemption	$43,577 Land $4,708 Building $38,869	$130,731 Land $14,124 Building $116,607

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 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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