10 Lacy Ln, Ward, AR 72176 Property Records

Lonoke County property record for 10 Lacy Ln, Ward, AR 72176

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,468 sqft · built 2018
Lot Size	1.95 acres (84,942 sqft)
Owner	Individual Name on Record
Last Sale	$28,000 (Aug 2017)
Tax Bill	$2,068 (2024)
Deeds & Mortgages	Oct 2025 Line of Credit Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`374-55012-000`

Property Details

APN / Parcel Number

Primary APN	`374-55012-000`
Alternative APN	`42523`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,468 sqft Living Area
1st Floor Area	2,468 sqft
Flooring	Vinyl/Resilient

Exterior

Year Built	Built 2018
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	84,942 sqft (1.95 acres)
Garage Type	Attached
Garage Area	483 sqft
Driveway	Driveway
Driveway Area	2,492 sqft
Porch	Open Porch
Porch Area	360 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	10 LACY LN
City	WARD
State	AR
Zip	72176-8025
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:12 CITY/MUNI/TWP:RURAL SUBD:SANDY CREEK ADDITION II SEC/TWN/RNG/MER:SEC 05 TWN 04N RNG 08W
Legal Range	08W
Legal Township	04N
Legal Section	05
Legal Subdivision	SANDY CREEK ADDITION II
Legal Lot Number	12
Jurisdiction	LONOKE AR
Township / Civil Division	BUTLER
Census Block Group	2
Census Block	2017
Census Tract	20102

Owner

Source: Lonoke County records, as of December 15, 2025

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
Co-owner	Co-owner on Record
Mailing Address	10 LACY LN, WARD, AR 72176-8025
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2025	Deed of Trust, Mortgage · Line of Credit FIRST ARKANSAS BANK & TRUST
Sep 28, 2021	Deed of Trust, Mortgage · VA Mortgage FIRSTTRUST HOME LOANS INC
Apr 14, 2018	Deed of Trust, Mortgage USAA
Aug 9, 2017	Warranty Deed, Transfer · Construction Mortgage FIRST COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2017 · Amount on Record
Deed Sale	Aug 9, 2017 · Amount on Record
Deed Document Number	0201707797
Deed Book / Page	2017 / 07797
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LONOKE AR
Property Address	10 LACY LN, WARD, AR 72176-8025
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 LACY LN, WARD, AR 72176-8025

Mortgage

Document Number	0000010044
Date	Oct 23, 2025
Book Page	2025/10044
Instrument	2025-10044

Lender

Name	FIRST ARKANSAS BANK & TRUST
Type	Bank
Address	JACKSONVILLE, AR 72078

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	38 Months
Due	Dec 1, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LONOKE AR
Property Address	10 LACY LN, WARD, AR 72176-8025
Transaction Type	Mortgage
Record Updated	Jul 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012899
Date	Sep 28, 2021
Book Page	2021/12899
Instrument	2021-12899

Lender

Name	FIRSTTRUST HOME LOANS INC
Type	Mortgage Company
Address	SHERIDAN, AR 72150

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LONOKE AR
Property Address	10 LACY LN, WARD, AR 72176-8025
Document Number	0000003896
Instrument Date	Apr 14, 2018
Transaction Type	Mortgage
Record Updated	Jan 12, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10 LACY LN WARD AR 72176, WARD, AR 72176

Mortgage

Document Number	0000003896
Date	Apr 26, 2018
Instrument	3896

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 25, 2048

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LONOKE AR
Recording Date	Aug 9, 2017
Property Address	10 LACY LN, WARD, AR 72176-8025
Document Number	0000007797
Book / Page	2017 / 07797
Instrument Date	Aug 4, 2017
Transaction Type	Transfer
Record Updated	Jul 19, 2022
Title Company	WACO TITLE

Transaction

Amount	Amount Recorded
Tax	$92.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	130 MARYWOOD, 130, WARD, AR 72176-7807

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 TRINITY DR, CABOT, AR 72023-7690

Mortgage

Document Number	0000007798
Date	Aug 9, 2017
Book Page	2017/07798

Lender

Name	FIRST COMMUNITY BANK
Type	Bank
Address	BATESVILLE, AR 72503

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	9 Months
Due	May 15, 2018

Tax Assessment & Valuation

Source: Lonoke County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Arkansas
County	Lonoke County
Unified School District	Cabot Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$55,950 (-) Land $4,500 Building $51,450
2024	$2,068.00 (-3.5%)
2023	$2,143.00 Homeowner's exemption	$55,950 Land $4,500 Building $51,450	$279,750 Land $22,500 Building $257,250

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, effective April 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (2025)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 2025 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Apr 2025 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · above 48% of Arkansas
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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	GRAND PRAIRIE BAYOU 2 PWA serves 13,138 people · EPA ID AR0000734
Water Source	Purchased surface water from LONOKE WHITE PUBLIC WATER AUTHORITY
Last State Inspection	Sep 2025
Lead	1 ppb (2026–2028) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Connect2First Fiber	1,000 / 1,000
Optimum Cable	940 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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