12704 White Bluff Rd, Fort Smith, AR 72916 Property Records

Sebastian County property record for 12704 White Bluff Rd, Fort Smith, AR 72916

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,147 sqft · built 1974
Lot Size	0.645 acres (28,096 sqft)
Owner	2 Individual Names on Record
Last Sale	$215,000 (Jun 2021)
Tax Bill	$1,689 (2026)
Deeds & Mortgages	Feb 2026 Line of Credit Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`60976-0010-00000-00`

Property Details

APN / Parcel Number

Primary APN	`60976-0010-00000-00`
Alternative APN	`65029`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,147 sqft Living Area
Gross Area	2,987 sqft
1st Floor Area	2,147 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Metal
Lot Area	28,096 sqft (0.645 acres)
Lot Dimensions	225 ft deep x 124 ft wide
Garage Type	Attached
Garage Area	840 sqft
Driveway	Concrete Driveway
Driveway Area	2,320 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	373 sqft
Patio Area	50 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	65029
Street Address	12704 WHITE BLUFF RD
City	FORT SMITH
State	AR
Zip	72916-8353
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT. 10, 123.7 X 225
Legal Range	32
Legal Township	07
Legal Section	28
Legal Subdivision	WHITE BLUFF ACRES-GWD SD
Legal Block	1
Legal Lot Number	10
Jurisdiction	SEBASTIAN AR
Township / Civil Division	4
Census Block Group	1
Census Block	1012
Census Tract	10301

Owner

Source: Sebastian County records, as of August 31, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12704 WHITE BLUFF RD, FORT SMITH, AR 72916-8353
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2026	Deed of Trust, Mortgage · Line of Credit ARVEST BANK
Sep 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL BANK
Jun 2, 2021	Warranty Deed, Transfer · Conventional Mortgage ARVEST BANK
Jan 15, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2021 · Amount on Record
Deed Sale	Jun 2, 2021 · Amount on Record
Prior Sale	May 19, 2015 · Amount on Record
Deed Document Number	202114227
Prior Transfer Date	Jan 11, 2021
Prior Transfer Doc	2021G01167
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEBASTIAN AR
Property Address	12704 WHITE BLUFF RD, FORT SMITH, AR 72916-8353
Transaction Type	Mortgage
Record Updated	Mar 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12704 WHITE BLUFF RD, FORT SMITH, AR 72916-8353

Mortgage

Document Number	0202603992
Date	Feb 25, 2026
Instrument	2026-03992

Lender

Name	ARVEST BANK
Type	Bank
Address	FORT SMITH, AR 72903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEBASTIAN AR
Property Address	12704 WHITE BLUFF RD, FORT SMITH, AR 72916-8353
Transaction Type	Mortgage
Record Updated	Dec 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020G23411
Date	Sep 25, 2020
Instrument	2020G-23411

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	EL DORADO, AR 71730

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEBASTIAN AR
Recording Date	Jun 2, 2021
Property Address	12704 WHITE BLUFF RD, FORT SMITH, AR 72916-8353
Document Number	2021G14227
Instrument Date	Jun 1, 2021
Instrument	2021G-14227
Transaction Type	Transfer
Record Updated	Dec 1, 2025
Title Company	WESTERN AR TITLE SERVICES, WESTERN ARKANSAS TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$709.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12519 CANDY LNB, FORT SMITH, AR 72916

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	N6501 CONNORD RD, MUNISING, MI 49862-9234

Mortgage

Document Number	2021G14228
Date	Jun 2, 2021
Instrument	2021G-14228

Lender

Name	ARVEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SEBASTIAN AR
Recording Date	Jan 15, 2021
Property Address	12704 WHITE BLUFF RD, FORT SMITH, AR 72916-8353
Document Number	2021G01167
Instrument Date	Jan 11, 2021
Instrument	2021G-01167
Transaction Type	Transfer
Record Updated	Dec 1, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12704 WHITE BLUFF RD, FORT SMITH, AR 72916-8353

Tax Assessment & Valuation

Source: Sebastian County assessment roll, as of August 31, 2026

Property Jurisdictions

Type	Name
State	Arkansas
County	Sebastian County
Unified School District	Greenwood School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,689.00 Homeowner's exemption	$50,354 (-) Land $8,000 Building $42,354	$251,770 (-) Land $40,000 Building $211,770
2025	$1,689.00 (+42.65%) Homeowner's exemption	$50,354 (+53.66%) Land $8,000 Building $42,354	$251,770 (+53.66%) Land $40,000 Building $211,770
2023	$1,184.00 Homeowner's exemption	$32,770 Land $6,000 Building $26,770	$163,850 Land $30,000 Building $133,850

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.

Flood

Source: FEMA National Flood Hazard Layer, effective June 1, 2025 · 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	1 (1986)
Most Recent Claim	Oct 1986 · tidal / storm surge

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	High above 77% of the US · above 99.1% of Arkansas
Wildfire Likelihood	0.6% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 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
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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