18 E Hwy 88, Pencil Bluff, AR 71965 Property Records

Montgomery County property record for 18 E Hwy 88, Pencil Bluff, AR 71965

Property Summary

Property Type	Rural Home
Details	2 ba · 1,820 sqft · built 1981
Lot Size	17 acres (740,520 sqft)
Owner	2 Individual Names on File
Last Sale	$180,000 (Jul 2020)
Tax Bill	$281 (2026)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
APN	`001-02037-000`

Property Details

APN / Parcel Number

Primary APN	`001-02037-000`
Alternative APN	`2593`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,820 sqft Living Area
1st Floor Area	1,463 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Closed Piers
Roof Type	Gable
Roof Material	Metal
Lot Area	740,520 sqft (17 acres)
Garage Type	Carport
Garage Area	357 sqft
Carport	Carport
Carport Area	357 sqft
Driveway	Concrete Driveway
Driveway Area	636 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	627 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	18 E HIGHWAY 88
City	PENCIL BLUFF
State	AR
Zip	71965-8000
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	PT NW NW N OF HWY 88 & E OF HWY 270
Legal Range	26W
Legal Township	01S
Legal Section	25
Legal Subdivision	RURAL ACREAGE
Jurisdiction	MONTGOMERY AR
Township / Civil Division	PENCIL BLUFF
Census Block Group	2
Census Block	2102
Census Tract	953100

Owner

18 E Hwy 88, a rural home, is owned and occupied by two individuals who bought it in July 2020.

Source: Montgomery County records, as of October 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	18 E HIGHWAY 88, PENCIL BLUFF, AR 71965-8000
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2020 · Amount on File
Deed Sale	Jul 14, 2020 · Amount on File
Prior Sale	Apr 10, 2007 · Amount on File
Deed Document Number	20201041
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY AR
Recording Date	Jul 14, 2020
Property Address	18 E HIGHWAY 88, PENCIL BLUFF, AR 71965-8000
Document Number	0020R01041
Instrument Date	Jul 8, 2020
Instrument	20R01041
Transaction Type	Transfer
Record Updated	May 30, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$594.00
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	18 E HIGHWAY 88, PENCIL BLUFF, AR 71965-8000

Mortgage

Document Number	0020R01042
Date	Jul 14, 2020
Instrument	20R01042

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 18 E Hwy 88 was $281 with a homeowner's exemption, down 10.8% from the year before.

Source: Montgomery County assessment roll, as of October 16, 2026

Property Jurisdictions

Type	Name
State	Arkansas
County	Montgomery County
Unified School District	Ouachita River School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$281.00 (-10.79%) Homeowner's exemption	$34,920 (-) Land $2,150 Building $32,770	$174,600 Land $10,750 Building $163,850
2025	$315.00 Homeowner's exemption	$34,920 Land $2,150 Building $32,770
2023	$412.00 Homeowner's exemption	$34,920 Land $2,150 Building $32,770	$174,600 Land $10,750 Building $163,850

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

FEMA has no flood map on file for 18 E Hwy 88; 10 flood insurance policies are in force nearby.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force

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 18 E Hwy 88 is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · above 76% of Arkansas
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	ODEN-PENCIL BLUFF WATER ASSN serves 393 people · EPA ID AR0000616
Water Source	Purchased surface water from MONTGOMERY CO REGIONAL PWA
Last State Inspection	Jul 2024
Lead	40 ppb (2020–2022) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Jan 2026
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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20