186 Roach Cir, Royal, AR 71968 Property Records

Garland County property record for 186 Roach Cir, Royal, AR 71968

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,201 sqft · built 1970
Lot Size	1.46 acres (63,598 sqft)
Owner	Individual Name on File
Last Sale	$105,000 (May 2018)
Tax Bill	$1,187 (2025)
Deeds & Mortgages	Sep 2022 Transfer Jul 2020 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`100-18711-000`

Property Details

APN / Parcel Number

Primary APN	`100-18711-000`
Alternative APNs	`1053162.0` `11638`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,201 sqft Living Area
1st Floor Area	1,581 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Metal
Lot Area	63,598 sqft (1.46 acres)
Lot Dimensions	310 ft deep x 205 ft wide
Terrain	Gentle Slope
Garage Type	Detached
Garage Area	620 sqft
Driveway	Driveway
Driveway Area	1,372 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	240 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1053162.0
Street Address	186 ROACH CIR
City	ROYAL
State	AR
Zip	71968-8260
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NW NW
Legal Range	21W
Legal Township	03S
Legal Section	05
Jurisdiction	GARLAND AR
Township / Civil Division	HALE
Census Block Group	2
Census Block	2023
Census Tract	10302

Owner

Source: Garland County assessment roll, as of January 1, 2025

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

Owner of Record	Individual Name on File
Mailing Address	1213 SUMMERS DR, DYERSBURG, TN 38024-3320
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2022	Intrafamily Transfer, Transfer
Jul 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage SWBC MORTGAGE CORP
May 14, 2018	Warranty Deed, Transfer · FHA Mortgage SWBC MORTGAGE CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 14, 2018 · Amount on Record
Deed Sale	May 14, 2018 · Amount on Record
Prior Sale	May 14, 2018 · Amount on Record
Deed Document Number	0039460230
Deed Book / Page	3946 / 0230
Last Transfer Date	Sep 15, 2022
Transfer Doc	0044880162
Record Updated	Jun 8, 2026

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GARLAND AR
Recording Date	Sep 15, 2022
Property Address	186 ROACH CIR, ROYAL, AR 71968-8260
Document Number	0044880162
Book / Page	4488 / 162
Instrument Date	Sep 15, 2022
Transaction Type	Transfer
Record Updated	Dec 8, 2022

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	186 ROACH CIR, ROYAL, AR 71968-8260

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARLAND AR
Property Address	186 ROACH CIR, ROYAL, AR 71968-8260
Transaction Type	Mortgage
Record Updated	Jul 19, 2022
Title Company	REALTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041760058
Date	Jul 2, 2020
Book Page	4176/58

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company
Address	SAN ANTONIO, TX 78216

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GARLAND AR
Recording Date	May 14, 2018
Property Address	186 ROACH CIR, ROYAL, AR 71968-8260
Document Number	0039460230
Book / Page	3946 / 0230
Instrument Date	May 11, 2018
Transaction Type	Transfer
Record Updated	Jul 19, 2022
Title Company	HOT SPRINGS TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$346.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	149 LAKE FOREST SHORES DR, 149, HOT SPRINGS, AR 71913-8993

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	186 ROACH CIR, ROYAL, AR 71968-8260

Mortgage

Document Number	0003946233
Date	May 14, 2018
Instrument	3946/233

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

Source: Garland County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Arkansas
County	Garland County
Unified School District	Lake Hamilton School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,187.00 (+95.87%)	$32,330 (-) Land $3,650 Building $28,680
2023	$606.00 Homeowner's exemption	$32,330 Land $3,650 Building $28,680	$161,650 Land $18,250 Building $143,400

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 November 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 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

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

Wildfire Risk	Moderate above 59% of the US · above 79% of Arkansas
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HOT SPRINGS UTILITIES serves 75,343 people · EPA ID AR0000209
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2019
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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WEHCO Video Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, C&W Communications, T-Mobile USA.

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