Benton County property record for 1908 Gaines St, Pea Ridge, AR 72751
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,395 sqft · built 2025 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $529,900 (Jun 2025) |
| Tax Bill | $5,103 (2026) |
| Deeds & Mortgages | Jun 2025 Sale & Mortgage Sep 2024 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-03579-000 |
| Primary APN | 13-03579-000 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,395 sqft Living Area |
| Gross Area | 3,095 sqft |
| 1st Floor Area | 2,395 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Fiberglass |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 700 sqft |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 1908 GAINES ST |
|---|---|
| City | PEA RIDGE |
| State | AR |
| Zip | 72751-2052 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PLAT 3/2/2022 L202213826 & REPLAT 11/26/2024 L202463498 |
| Legal Range | 30 |
| Legal Township | 20 |
| Legal Section | 02 |
| Legal Subdivision | ELKHORN RIDGE SUB PH V-PEA RIDGE |
| Legal Lot Number | 2A |
| Jurisdiction | BENTON AR |
| Township / Civil Division | 7 |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 20102 |
1908 Gaines St is owned by two individuals who bought it in June 2025.
Source: Benton County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 111 GAINES ST UNIT 1908, 1908, PEA RIDGE, AR 72751 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 30, 2025 | Deed, Subdivision Related Transfer · VA Mortgage ASSOCIATED MORTGAGE CORP |
| Sep 23, 2024 | Warranty Deed, Construction Loan · Construction Mortgage CHAMBERS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 30, 2025 · Amount on File |
| Deed Sale | Jun 30, 2025 · Amount on File |
| Deed Document Number | 202536085 |
| Prior Transfer Date | Sep 20, 2024 |
| Prior Transfer Doc | L202450510 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BENTON AR |
| Recording Date | Jun 30, 2025 |
| Property Address | 1908 GAINES ST, PEA RIDGE, AR 72751-2052 |
| Document Number | L202536085 |
| Map Reference | DOC L202463498 |
| Instrument Date | Jun 27, 2025 |
| Instrument | L202536085 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 7, 2025 |
| Title Company | UNKNOWN, LTC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,749.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1120, GREENWOOD, AR 72936-1120 |
| Name | Verified Name |
|---|---|
| Address | 1908 GAINES ST, PEA RIDGE, AR 72751-2052 |
| Document Number | L202536086 |
|---|---|
| Date | Jun 30, 2025 |
| Instrument | L202536086 |
| Name | ASSOCIATED MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON AR |
| Recording Date | Sep 23, 2024 |
| Property Address | 1908 GAINES ST, PEA RIDGE, AR 72751-2052 |
| Document Number | L202450510 |
| Map Reference | DOC L202213826 |
| Instrument Date | Sep 20, 2024 |
| Instrument | L202450510 |
| Transaction Type | Construction Loan |
| Record Updated | Oct 7, 2025 |
| Title Company | FIRST NATIONAL TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1120, GREENWOOD, AR 72936-1120 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1120, GREENWOOD, AR 72936-1120 |
| Investor | Possibly a Property Investor |
| Document Number | L202450511 |
|---|---|
| Date | Sep 23, 2024 |
| Instrument | L202450511 |
| Name | CHAMBERS BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 1908 Gaines St was $5,103, up 1,029% from the year before.
Source: Benton County assessment roll, as of September 1, 2026
| Type | Name |
|---|---|
| State | Arkansas |
| County | Benton County |
| Municipality | Pea Ridge City |
| Unified School District | Pea Ridge School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,103.00 (+1,028.98%) | $89,219 (+669.13%) Land $11,600 Building $77,619 | $446,095 (+669.13%) Land $58,000 Building $388,095 |
| 2025 | $452.00 | $11,600 Land $11,600 | $58,000 (-) Land $58,000 |
| 2024 | $58,000 (+70.59%) Land $58,000 | ||
| 2023 | $386.00 | $6,800 Land $6,800 | $34,000 Land $34,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1908 Gaines St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2013.
Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · 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 | 1 in force |
| Nearby Flood Claims | 4 (2013–2017) |
| Claims Outside the SFHA | 3 of 4 |
| Most Recent Claim | Apr 2017 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding |
| Claims by Event |
|
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 risk around 1908 Gaines St is moderate, ranking above 55% 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 55% of the US · above 70% of Arkansas |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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 | PEA RIDGE WATERWORKS serves 12,795 people · EPA ID AR0000053 |
|---|---|
| Water Source | Purchased surface water from BENTON-WASHINGTON REGIONAL PWA |
| Last State Inspection | Apr 2026 |
| Lead | 2 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 145 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable · Fiber | 2,000 / 100 |
| Brightspeed Fiber · DSL | 940 / 940 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 25 / 3 |
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