Lonoke County property record for 109 Earnhardt Cir, Cabot, AR 72023
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,078 sqft · built 2012 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,181 (2024) |
| Deeds & Mortgages | Apr 2026 Mortgage Apr 2026 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 723-03203-000 |
| Primary APN | 723-03203-000 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,078 sqft Living Area |
| Gross Area | 2,562 sqft |
| 1st Floor Area | 2,078 sqft |
| Flooring | Ceramic Tile |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Fiberglass |
| Lot Area | 10,454 sqft (0.24 acres) |
| Lot Dimensions | 125 ft deep x 84 ft wide |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 640 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 104 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 228 sqft |
| Deck Area | Deck Area |
| Patio Area | 260 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 109 EARNHARDT CIR |
|---|---|
| City | CABOT |
| State | AR |
| Zip | 72023-5060 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Range | 09W |
| Legal Township | 04N |
| Legal Section | 30 |
| Legal Subdivision | SOUTHERN COMFORT ESTATES II |
| Legal Block | 1 |
| Legal Lot Number | 203 |
| Jurisdiction | LONOKE AR |
| Township / Civil Division | YORK |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 20206 |
109 Earnhardt Cir is owned and occupied by an individual who acquired it in July 2023.
Source: Lonoke County records, as of May 22, 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 File |
|---|---|
| Mailing Address | 109 EARNHARDT CIR, CABOT, AR 72023-5060 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 14, 2026 | Deed of Trust, Mortgage · VA Mortgage NONE LISTED ON DOCUMENT |
| Apr 14, 2026 | Deed of Trust, Mortgage · VA Mortgage NONE LISTED ON DOCUMENT |
| Jul 12, 2023 | Intrafamily Transfer, Transfer · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Nov 24, 2020 | Warranty Deed, Transfer · FHA Mortgage FIRSTTRUST HM LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 12, 2023 |
| Deed Sale | Jul 12, 2023 |
| Prior Sale | Nov 24, 2020 · Amount on File |
| Deed Document Number | 20236073 |
| Prior Transfer Date | May 19, 2023 |
| Prior Transfer Doc | 0000006073 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LONOKE AR |
| Recording Date | Apr 14, 2026 |
| Property Address | 109 EARNHARDT CIR, CABOT, AR 72023-5060 |
| Document Number | 0000003839 |
| Instrument Date | Apr 3, 2026 |
| Instrument | 20263839 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 109 EARNHARDT CIR, CABOT, AR 72023-5060 |
| Document Number | 0000003839, |
|---|---|
| Date | Apr 14, 2026 |
| Instrument | 20263839 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LONOKE AR |
| Recording Date | Apr 14, 2026 |
| Property Address | 109 EARNHARDT CIR, CABOT, AR 72023-5060 |
| Document Number | 0000003839 |
| Instrument Date | Apr 3, 2026 |
| Instrument | 20263839 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 109 EARNHARDT CIR, CABOT, AR 72023-5060 |
| Document Number | 0000003839, |
|---|---|
| Date | Apr 14, 2026 |
| Instrument | 20263839 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LONOKE AR |
| Recording Date | Jul 12, 2023 |
| Property Address | 109 EARNHARDT CIR, CABOT, AR 72023-5060 |
| Document Number | 0000006073 |
| Book / Page | 2023 / 6073 |
| Instrument Date | May 19, 2023 |
| Instrument | 2023-06073 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2023 |
| Title Company | ELEVATED TITLE LLC, ELEVATED TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 109 EARNHARDT CIR, CABOT, AR 72023-5060 |
| Name | Verified Name |
|---|---|
| Address | 109 EARNHARDT CIR, CABOT, AR 72023-5060 |
| Document Number | 0202306074 |
|---|---|
| Date | Jul 12, 2023 |
| Instrument | 2023-06074 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jun 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LONOKE AR |
| Recording Date | Nov 24, 2020 |
| Property Address | 109 EARNHARDT CIR, CABOT, AR 72023-5060 |
| Document Number | 0000013619 |
| Instrument Date | Nov 18, 2020 |
| Instrument | 13619 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2020 |
| Title Company | WACO TITLE COMPANY CABOT, WACO TITLE CO CABOT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $660.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 109 EARNHARDT CIR CABOT AR 720235060, CABOT, AR 72023-5060 |
| Document Number | 13620 |
|---|---|
| Date | Nov 24, 2020 |
| Instrument | 13620 |
| Name | FIRSTTRUST HM LNS |
|---|---|
| Address | SHERIDAN, AR 72150 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 23, 2050 |
Source: Lonoke County assessment roll, as of October 1, 2025
| Type | Name |
|---|---|
| State | Arkansas |
| County | Lonoke County |
| Municipality | Cabot City |
| Unified School District | Cabot Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $42,860 Land $5,500 Building $37,360 | $214,300 Land $27,500 Building $186,800 | |
| 2024 | $2,181.00 (+4.91%) | ||
| 2023 | $2,079.00 (+22.01%) | $40,850 (-) Land $5,500 Building $35,350 | $214,300 (+4.92%) Land $27,500 Building $186,800 |
| 2022 | $1,704.00 Homeowner's exemption | $40,850 Land $5,500 Building $35,350 | $204,250 Land $27,500 Building $176,750 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Earnhardt Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 1 (2009) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 2009 · 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 risk around 109 Earnhardt Cir is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CABOT WATERWORKS federal government · serves 27,578 people · EPA ID AR0000338 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Dec 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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.
Source: FCC Broadband Data Collection, based on 296 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Connect2First Fiber | 1,000 / 1,000 |
| Brightspeed Fiber | 940 / 940 |
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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