20108 Gem Rd, Lincoln, AR 72744 Property Records

Washington County property record for 20108 Gem Rd, Lincoln, AR 72744

Property Summary

Property Type	Rural Home
Details	3 ba · 2,546 sqft · built 2006
Lot Size	10.5 acres (457,816 sqft)
Owner	Company Name on Record
Tax Bill	$3,086 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-09294-011`

Property Details

APN / Parcel Number

Primary APN	`001-09294-011`
Alternative APNs	`41623.0` `99710`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,546 sqft Living Area
1st Floor Area	2,546 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	457,816 sqft (10.5 acres)
Garage Type	Attached
Garage Area	625 sqft
Driveway	Concrete Driveway
Driveway Area	418 sqft

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	648 sqft
Porch	Slab
Porch Area	140 sqft
Deck Area	153 sqft
Patio Area	153 sqft
Utility Building	3,600 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	20108 GEM RD
City	LINCOLN
State	AR
Zip	72744-9325
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	AA1
Legal Description	PT NE NW & SE NW 10.51 AC FURTHER DESCRIBED FROM 2019-28038 AS: PART OF THE NE OF THE NW AND PART OF THE SE OF THE NW OF SECT
Legal Range	33
Legal Township	15
Legal Section	01
Legal Subdivision	01-15-33
Jurisdiction	WASHINGTON AR
Township / Civil Division	ILLINOIS
Census Block Group	1
Census Block	1034
Census Tract	10513

Owner

Source: Washington County records, as of September 23, 2026

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

Owner of Record	Company Name on Record
Mailing Address	20108 GEM RD, LINCOLN, AR 72744-9325
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2022	Deed of Trust, Mortgage · Line of Credit LEGACY NATIONAL BANK
Oct 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage ARVEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 23, 2005
Transfer Doc	0000012330
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON AR
Property Address	20108 GEM RD, LINCOLN, AR 72744-9325
Transaction Type	Mortgage
Record Updated	Sep 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200001542
Date	Jan 13, 2022
Instrument	2022-00001542

Lender

Name	LEGACY NATIONAL BANK
Type	Bank
Address	SPRINGDALE, AR 72762

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 1, 2032

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON AR
Property Address	20108 GEM RD, LINCOLN, AR 72744-9325
Transaction Type	Mortgage
Record Updated	Sep 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900031289
Date	Oct 14, 2019
Instrument	2019-00031289

Lender

Name	ARVEST BANK
Type	Bank
Address	LOWELL, AR 72745

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2029

Tax Assessment & Valuation

Source: Washington County assessment roll, as of October 23, 2025

Property Jurisdictions

Type	Name
State	Arkansas
County	Washington County
Unified School District	Lincoln School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$104,250 (-) Land $9,280 Building $94,970	$521,250 (-) Land $46,400 Building $474,850
2025	$3,086.00 (+32.16%) Homeowner's exemption	$104,250 (+17.29%) Land $9,280 Building $94,970
2023	$2,335.00 Homeowner's exemption	$88,880 Land $9,280 Building $79,600	$521,250 Land $46,400 Building $474,850

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective November 16, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	High above 79% of the US · above 99.4% of Arkansas
Wildfire Likelihood	0.5% 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	LINCOLN WATERWORKS serves 6,690 people · EPA ID AR0000572
Water Source	Purchased surface water from BENTON-WASHINGTON REGIONAL PWA
Last State Inspection	Apr 2025
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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
OzarksGo Fiber	2,500 / 2,500

Cell Coverage

4G LTE (outdoors only), no 5G reported

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