Sebastian County property record for 12109 Sapling Dr, Fort Smith, AR 72916
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,862 sqft · built 2009 |
| Lot Size | 0.209 acres (9,104 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $312,109 (Apr 2022) |
| Tax Bill | $2,354 (2026) |
| Deeds & Mortgages | Apr 2020 Mortgage Apr 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16487-0029-00000-00 |
| Primary APN | 16487-0029-00000-00 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,862 sqft Living Area |
| Gross Area | 2,302 sqft |
| 1st Floor Area | 1,862 sqft |
| Flooring | Carpet |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Fiberglass |
| Lot Area | 9,104 sqft (0.209 acres) |
| Lot Dimensions | 125 ft deep x 84 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 108 sqft |
| Patio Area | 348 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 82189 |
|---|---|
| Street Address | 12109 SAPLING DR |
| City | FORT SMITH |
| State | AR |
| Zip | 72916-8411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 29 |
| Legal Range | 31 |
| Legal Township | 07 |
| Legal Section | 19 |
| Legal Subdivision | RIDGEWOOD AT RYE HILL |
| Legal Block | 1 |
| Legal Lot Number | 29 |
| Jurisdiction | SEBASTIAN AR |
| Township / Civil Division | UPPER |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 1306 |
12109 Sapling Dr is owned and occupied by two individuals who bought it in April 2022.
Source: Sebastian County records, as of August 31, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12109 SAPLING DR, FORT SMITH, AR 72916-8411 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SWBC MORTGAGE CORP |
| Apr 21, 2022 | Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 21, 2022 · Amount on File |
| Deed Sale | Apr 21, 2022 · Amount on File |
| Prior Sale | Jul 17, 2013 · Amount on File |
| Deed Document Number | 20229805 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEBASTIAN AR |
| Property Address | 12109 SAPLING DR, FORT SMITH, AR 72916-8411 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2020F08144 |
|---|---|
| Date | Apr 10, 2020 |
| Instrument | 2020F-08144 |
| Name | SWBC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAN ANTONIO, TX 78216 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEBASTIAN AR |
| Recording Date | Apr 21, 2022 |
| Property Address | 12109 SAPLING DR, FORT SMITH, AR 72916-8411 |
| Document Number | 2022F09805 |
| Instrument Date | Apr 1, 2022 |
| Instrument | 2022F-09805 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2022 |
| Title Company | WACO TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,032.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4104 TENNESSEE RIDGE RD, 4104, FORT SMITH, AR 72916-8264 |
| Name | Verified Name |
|---|---|
| Address | 12109 SAPLING DR, FORT SMITH, AR 72916-8411 |
| Document Number | 2022F09806 |
|---|---|
| Date | Apr 21, 2022 |
| Instrument | 2022F-09806 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
The 2026 property tax bill for 12109 Sapling Dr was $2,354 with a homeowner's exemption.
Source: Sebastian County assessment roll, as of August 31, 2026
| Type | Name |
|---|---|
| State | Arkansas |
| County | Sebastian County |
| Municipality | Fort Smith City |
| Unified School District | Greenwood School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,354.00 Homeowner's exemption | $60,319 (-) Land $10,000 Building $50,319 | $301,595 (-) Land $50,000 Building $251,595 |
| 2025 | $2,354.00 Homeowner's exemption | $60,319 Land $10,000 Building $50,319 | $301,595 Land $50,000 Building $251,595 |
| 2023 | $1,817.00 Homeowner's exemption | $39,621 Land $7,400 Building $32,221 | $198,105 Land $37,000 Building $161,105 |
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.
FEMA maps place 12109 Sapling Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 1, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 12109 Sapling Dr is moderate, ranking above 67% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 94% of Arkansas |
|---|---|
| Wildfire Likelihood | 0.4% 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 | FORT SMITH WATER UTILITIES serves 86,209 people · EPA ID AR0000507 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2026 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Treatment failure resolved · Aug 2017 |
|---|---|
| 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 135 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Wave Rural Connect Fiber | 1,000 / 1,000 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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