20 Ridge Rd, Cabot, AR 72023 Property Records

Lonoke County property record for 20 Ridge Rd, Cabot, AR 72023

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,685 sqft · built 1975
Lot Size	0.365 acres (15,928 sqft)
Owner	2 Individual Names on Record
Last Sale	$218,000 (Jul 2023)
Tax Bill	$1,272 (2024)
Deeds & Mortgages	Nov 2025 Mortgage Jul 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`722-00143-000`

Property Details

APN / Parcel Number

Primary APN	`722-00143-000`
Alternative APN	`27662`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,685 sqft Living Area
Gross Area	2,191 sqft
1st Floor Area	1,685 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Closed Piers
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,928 sqft (0.365 acres)
Garage Type	Attached
Garage Area	506 sqft
Driveway	Concrete Driveway
Driveway Area	900 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	430 sqft
Deck Area	32 sqft
Patio Area	32 sqft
Utility Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	20 RIDGE RD
City	CABOT
State	AR
Zip	72023-2018
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	10
Legal Township	04N
Legal Section	12
Legal Subdivision	PACTON LAKE ESTATES
Legal Block	2
Legal Lot Number	43
Jurisdiction	LONOKE AR
Township / Civil Division	YORK
Census Block Group	2
Census Block	2001
Census Tract	20201

Owner

Source: Lonoke County records, as of May 21, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	20 RIDGE RD, CABOT, AR 72023-2018
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 3, 2023	Warranty Deed, Transfer · VA Mortgage SENTE MORTGAGE INC
Oct 6, 2020	Warranty Deed, Transfer · Conventional Mortgage USAA FSB
Dec 12, 2018	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2023 · Amount on Record
Deed Sale	Jul 3, 2023 · Amount on Record
Prior Sale	Oct 6, 2020 · Amount on Record
Deed Document Number	20235752
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LONOKE AR
Property Address	20 RIDGE RD, CABOT, AR 72023-2018
Transaction Type	Mortgage
Record Updated	Nov 26, 2025
Title Company	WORLD WIDE LAND TRANSFER INC, WORLD WIDE LAND TRANSFER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 RIDGE RD, CABOT, AR 72023-2018

Mortgage

Document Number	0000010578
Date	Nov 10, 2025
Book Page	2025/10578
Instrument	2025-10578

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	335 Months
Due	Oct 1, 2053

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LONOKE AR
Recording Date	Jul 3, 2023
Property Address	20 RIDGE RD, CABOT, AR 72023-2018
Document Number	0000005752
Book / Page	2023 / 5752
Instrument Date	Jun 23, 2023
Instrument	2023-05752
Transaction Type	Transfer
Record Updated	Jul 24, 2023
Title Company	LENDERS TITLE COMPANY, LENDERS TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$719.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	770 YORK RD # 1438, 1438, LAKE SHERWOOD, MO 63357-1707

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 RIDGE RD, CABOT, AR 72023-2018

Mortgage

Document Number	0202305753
Date	Jul 3, 2023
Instrument	2023-05753

Lender

Name	SENTE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LONOKE AR
Recording Date	Oct 6, 2020
Property Address	20 RIDGE RD, CABOT, AR 72023-2018
Document Number	0000011321
Book / Page	2020 / 11321
Instrument Date	Oct 5, 2020
Instrument	2020-11321
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	WACO TITLE COMPANY CABOT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$590.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1930 DAVIS DR, 1930, CUMMING, GA 30041-9062

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 RIDGE RD, CABOT, AR 72023-2018

Mortgage

Document Number	0202011322
Date	Oct 6, 2020
Instrument	2020-11322

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LONOKE AR
Recording Date	Dec 12, 2018
Property Address	20 RIDGE RD, CABOT, AR 72023-2018
Document Number	0000011904
Instrument Date	Dec 6, 2018
Instrument	11904
Transaction Type	Transfer
Record Updated	Jan 7, 2019
Title Company	LENDERS TITLE COMPANY, LENDERS TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$485.10
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 RIDGE RD CABOT AR 720232018, CABOT, AR 72023-2018

Mortgage

Document Number	11905
Date	Dec 12, 2018
Instrument	11905

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 11, 2048

Tax Assessment & Valuation

Source: Lonoke County assessment roll, as of October 1, 2025

Property Jurisdictions

Type	Name
State	Arkansas
County	Lonoke County
Municipality	Cabot City
Unified School District	Cabot Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$25,000 (-) Land $2,600 Building $22,400	$125,000 (-) Land $13,000 Building $112,000
2024	$1,272.00
2023	$1,272.00	$25,000 (-) Land $2,600 Building $22,400	$125,000 (-) Land $13,000 Building $112,000
2022	$1,272.00	$25,000 Land $2,600 Building $22,400	$125,000 Land $13,000 Building $112,000

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 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
Nearby Flood Policies	3 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	Low lower than 62% of the US · lower than 64% of Arkansas
Wildfire Likelihood	0.06% 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	CABOT WATERWORKS federal government · serves 27,578 people · EPA ID AR0000338
Water Source	Purchased surface water from several systems
Last State Inspection	Dec 2025
Also Mapped Here	LONOKE WHITE PUBLIC WATER AUTHORITY
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Connect2First Fiber	1,000 / 1,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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