Baxter County property record for 1315 W Main St, Cotter, AR 72626
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,507 sqft |
| Lot Size | 0.446 acres (19,465 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $88,000 (May 2007) |
| Tax Bill | $558 (2025) |
| Deeds & Mortgages | Jun 2017 Mortgage Dec 2025 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-00553-000 |
| Primary APN | 004-00553-000 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,507 sqft Living Area |
| 1st Floor Area | 1,507 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Construction Type | Frame |
|---|---|
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 19,465 sqft (0.446 acres) |
| Garage Type | Mixed |
| Garage Area | 364 sqft |
| Driveway | Concrete Driveway |
| Porch | Slab |
| Porch Area | 220 sqft |
| Utility Building | 1,200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 1315 W MAIN ST |
|---|---|
| City | COTTER |
| State | AR |
| Zip | 72626-9707 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 6,E 25 FT LOT 7 GRANDVIEW HEIGHTS |
| Legal Range | 14 |
| Legal Township | 19 |
| Legal Section | 29 |
| Legal Subdivision | GRANDVIEW HEIGHTS |
| Legal Lot Number | 6,7 |
| Jurisdiction | BAXTER AR |
| Township / Civil Division | WHITEVILLE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 950900 |
1315 W Main St is owned and occupied by two individuals who acquired it in December 2025.
Source: Baxter County records, as of August 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1315 W MAIN ST, COTTER, AR 72626-9707 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
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 |
|---|---|
| Jun 27, 2017 | Deed of Trust, Mortgage · Closed-End Mortgage INTEGRITY FIRST BANK NA |
| Dec 22, 2025 | Intrafamily Transfer, Transfer · Reverse Mortgage LUMINATE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 3, 2007 · Amount on File |
| Deed Sale | May 3, 2007 · Amount on File |
| Deed Book / Page | 2007 / 5257 |
| Last Transfer Date | Dec 17, 2025 |
| Transfer Doc | L202511177 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAXTER AR |
| Property Address | 1315 W MAIN ST, COTTER, AR 72626-9707 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | L201705546 |
|---|---|
| Date | Jun 27, 2017 |
| Instrument | L201705546 |
| Name | INTEGRITY FIRST BANK NA |
|---|---|
| Type | Bank |
| Address | MOUNTAIN HOME, AR 72654 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 36 Months |
| Due | Jun 22, 2020 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAXTER AR |
| Recording Date | Dec 22, 2025 |
| Property Address | 1315 W MAIN ST, COTTER, AR 72626-9707 |
| Document Number | L202511177 |
| Instrument Date | Dec 17, 2025 |
| Instrument | L202511177 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2026 |
| Title Company | LENDERS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1315 W MAIN ST, COTTER, AR 72626-9707 |
| Document Number | L202511178 |
|---|---|
| Date | Dec 22, 2025 |
| Instrument | L202511178 |
| Name | LUMINATE BANK |
|---|---|
| Type | Bank |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 894 Months |
| Due | Jun 21, 2100 |
The 2025 property tax bill for 1315 W Main St was $558 with a homeowner's exemption, down 15.2% from the year before.
Source: Baxter County assessment roll, as of November 25, 2025
| Type | Name |
|---|---|
| State | Arkansas |
| County | Baxter County |
| Municipality | Cotter City |
| Unified School District | Cotter School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $558.00 (-15.2%) Homeowner's exemption | $29,310 Land $3,600 Building $25,710 | |
| 2024 | $658.00 (-10.23%) | ||
| 2023 | $733.00 Homeowner's exemption | $29,310 Land $3,600 Building $25,710 | $146,550 Land $18,000 Building $128,550 |
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 1315 W Main St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 3, 2010
| 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 1315 W Main St is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 52% of Arkansas |
|---|---|
| Wildfire Likelihood | 0.1% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | COTTER WATERWORKS serves 1,233 people · EPA ID AR0000028 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2024 |
| 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 48 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mountain View Telephone Company Fiber | 1,000 / 500 |
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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