105 Elm St, Ward, AR 72176 Property Records

Lonoke County property record for 105 Elm St, Ward, AR 72176

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,008 sqft
Lot Size	0.42 acres (18,295 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Mar 2025)
Tax Bill	$464 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Dec 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`800-80531-000`

Property Details

APN / Parcel Number

Primary APN	`800-80531-000`
Alternative APN	`39595`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,008 sqft Living Area
Gross Area	1,232 sqft
1st Floor Area	1,008 sqft
Flooring	Vinyl Sheet/Linoleum

Exterior

Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,295 sqft (0.42 acres)
Garage Type	Carport
Garage Area	360 sqft
Carport	Carport
Carport Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed/Screened Porch
Porch Area	264 sqft
Utility Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	105 ELM ST
City	WARD
State	AR
Zip	72176-9449
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SW SE
Legal Range	09W
Legal Township	05N
Legal Section	27
Legal Subdivision	WARD CITY AREA
Legal Block	1
Jurisdiction	LONOKE AR
Township / Civil Division	WARD
Census Block Group	1
Census Block	1043
Census Tract	20102

Owner

105 Elm St is owned by an individual who bought it in March 2025.

Source: Lonoke County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	25 RED BIRD CV, CABOT, AR 72023-7048
Owner Type	Individual
Vesting	Unmarried Woman

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

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) FLAT BRANCH HOME LOANS INC
Dec 15, 2023	Deed of Trust, Mortgage · FHA Mortgage FLAT BRANCH HOME LOANS INC
Jul 10, 2023	Warranty Deed, Construction Loan · Construction Mortgage FIRST ARKANSAS BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2025 · Amount on File
Deed Sale	Mar 31, 2025 · Amount on File
Prior Sale	Dec 15, 2023 · Amount on File
Deed Document Number	20252643
Transfer Doc	0285000599
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LONOKE AR
Property Address	105 ELM ST, WARD, AR 72176-9449
Transaction Type	Mortgage
Record Updated	Jan 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010946
Date	Dec 15, 2023
Book Page	2023/10946
Instrument	2023-10946

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	121 Months
Due	Jan 1, 2034

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LONOKE AR
Property Address	105 ELM ST, WARD, AR 72176-9449
Transaction Type	Mortgage
Record Updated	Jan 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010945
Date	Dec 15, 2023
Book Page	2023/10945
Instrument	2023-10945

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

July 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	LONOKE AR
Recording Date	Jul 10, 2023
Property Address	105 ELM ST, WARD, AR 72176-9449
Document Number	0000005937
Book / Page	2023 / 5937
Instrument Date	Jul 5, 2023
Instrument	2023-05937
Transaction Type	Construction Loan
Record Updated	Aug 4, 2023
Title Company	PROFESSIONAL LAND TITLE COMPANY, PROFESSIONAL LAND TTL CO OF

Transaction

Amount	Amount on Record
Tax	$118.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	105 ELM ST, WARD, AR 72176-9449

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 BRYSON DR, WARD, AR 72176-9639

Mortgage

Document Number	0202305938
Date	Jul 10, 2023
Instrument	2023-05938

Lender

Name	FIRST ARKANSAS BANK & TRUST
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 5, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 105 Elm St was $464.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$464.00	$9,130 Land $670 Building $8,460	$45,650 Land $3,350 Building $42,300
2024	$464.00 (+1,089.74%)
2023	$39.00 (-91.59%)	$9,130 (-) Land $670 Building $8,460	$45,650 (-) Land $3,350 Building $42,300
2022	$464.00	$9,130 Land $670 Building $8,460	$45,650 Land $3,350 Building $42,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 105 Elm St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

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
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2015 · rainfall accumulation

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

Wildfire risk around 105 Elm St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 83% of Arkansas
Wildfire Likelihood	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	WARD WATERWORKS serves 12,579 people · EPA ID AR0000345
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2024
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	No certified operator Jul 2025
Monitoring and Reporting	None 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 315 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Connect2First Fiber	1,000 / 1,000
Optimum Cable	940 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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