14 Stephens St, Ward, AR 72176 Property Records

Lonoke County property record for 14 Stephens St, Ward, AR 72176

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,128 sqft · built 2005
Lot Size	0.344 acres (14,999 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Jun 2026)
Tax Bill	$859 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Sep 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`800-15002-000`

Property Details

APN / Parcel Number

Primary APN	`800-15002-000`
Alternative APN	`38449`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,128 sqft Living Area
1st Floor Area	1,128 sqft
Flooring	Ceramic Tile

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Fiberglass
Lot Area	14,999 sqft (0.344 acres)
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Driveway	Concrete Driveway
Driveway Area	584 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	30 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	38449
Street Address	14 STEPHENS ST
City	WARD
State	AR
Zip	72176-9349
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	09W
Legal Township	05N
Legal Section	27
Legal Subdivision	GRIFFIN II
Legal Block	1
Legal Lot Number	2
Jurisdiction	LONOKE AR
Township / Civil Division	WARD
Census Block Group	1
Census Block	1017
Census Tract	20102

Owner

14 Stephens St is owned and occupied by two individuals who bought it in June 2026.

Source: Lonoke County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	218 NAPIER CT, PLEASANTON, CA 94566-8119
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

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
Jun 29, 2026	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS
Sep 1, 2019	Loan Modification, Mortgage · Conventional Mortgage JP MORGAN CHASE BK
Aug 28, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2026 · Amount on File
Deed Sale	Jun 29, 2026 · Amount on File
Prior Sale	Feb 23, 2026 · Amount on File
Deed Document Number	20266784
Prior Transfer Date	Aug 28, 2019
Prior Transfer Doc	0000008532
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LONOKE AR
Recording Date	Jun 29, 2026
Property Address	14 STEPHENS ST, WARD, AR 72176-9349
Document Number	0000006784
Instrument Date	Jun 25, 2026
Instrument	20266784
Transaction Type	Transfer
Record Updated	Jul 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$66,660.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 NAPIER CT, PLEASANTON, CA 94566-8119

Mortgage

Document Number	0000006785,
Date	Jun 29, 2026
Instrument	20266785

Lender

Name	NEIGHBORHOOD LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

September 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LONOKE AR
Property Address	14 STEPHENS ST, WARD, AR 72176-9349
Document Number	0000009270
Instrument Date	Sep 1, 2019
Transaction Type	Mortgage
Record Updated	Oct 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 STEPHENS ST WARD AR 721769349, WARD, AR 72176-9349

Mortgage

Document Number	0000009270
Date	Sep 17, 2019
Instrument	9270

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43219-6009

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	324 Months
Due	Sep 16, 2046

Interest

Rate	3.62%

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LONOKE AR
Recording Date	Aug 28, 2019
Property Address	14 STEPHENS ST, WARD, AR 72176-9349
Document Number	0000008532
Instrument Date	Aug 28, 2019
Instrument	8532
Transaction Type	Transfer
Record Updated	Sep 20, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 STEPHENS ST WARD AR 721769349, WARD, AR 72176-9349

Tax Assessment & Valuation

The 2025 property tax bill for 14 Stephens St was $859 with a homeowner's exemption, up 139.3% from the year before.

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	$859.00 (+139.28%) Homeowner's exemption	$16,890 Land $2,000 Building $14,890	$84,450 Land $10,000 Building $74,450
2024	$359.00 (-17.28%)
2023	$434.00 Homeowner's exemption	$16,890 Land $2,000 Building $14,890	$84,450 Land $10,000 Building $74,450

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 14 Stephens 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 14 Stephens St 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	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	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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