20181 Gem Rd, Lincoln, AR 72744 Property Records

Washington County property record for 20181 Gem Rd, Lincoln, AR 72744

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,000 sqft · built 2022
Lot Size	5 acres (217,800 sqft)
Owner	2 Trust Names on File
Last Sale	$635,000 (Jan 2025)
Tax Bill	$5,394 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jul 2023 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-09294-020`

Property Details

APN / Parcel Number

Primary APN	`001-09294-020`
Alternative APNs	`813690.0` `124992`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,000 sqft Living Area
1st Floor Area	2,449 sqft
Upper Floors Area	551 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Metal
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Metal
Lot Area	217,800 sqft (5 acres)
Garage Type	Attached
Garage Area	651 sqft
Driveway	Concrete Driveway
Driveway Area	560 sqft
Porch	Slab
Porch Area	458 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	20181 GEM RD
City	LINCOLN
State	AR
Zip	72744-9303
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NE SW 5.00 AC FURTHER DESCRIBED PER 2020-13379 AS: A PART OF THE NE/4 OF THE SW/4 OF SECTION 1, TOWNSHIP 15 NORTH, RANGE 3
Legal Range	33
Legal Township	15
Legal Section	01
Jurisdiction	WASHINGTON AR
Township / Civil Division	ILLINOIS
Census Block Group	2
Census Block	2068
Census Tract	10513

Owner

20181 Gem Rd is owner-occupied and held in a trust since January 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	20181 GEM RD, LINCOLN, AR 72744-9303
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Living Trust

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

Date	Document
Jun 11, 2021	Deed of Trust, Mortgage · Commercial Mortgage SIGNATURE BANK OF ARKANSAS
Jul 25, 2023	Warranty Deed, Transfer · Line of Credit LEGACY NATIONAL BANK
Apr 8, 2021	Warranty Deed, Transfer · Line of Credit SIGNATURE BANK OF ARKANSAS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2025 · Amount on File
Deed Sale	Jan 23, 2025 · Amount on File
Prior Sale	Jul 25, 2023 · Amount on File
Deed Document Number	20251970
Prior Transfer Date	Dec 7, 2009
Prior Transfer Doc	0000039298
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON AR
Property Address	20181 GEM RD, LINCOLN, AR 72744-9303
Transaction Type	Mortgage
Record Updated	Nov 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100022298
Date	Jun 11, 2021
Instrument	2021-00022298

Lender

Name	SIGNATURE BANK OF ARKANSAS
Type	Bank
Address	FAYETTEVILLE, AR 72703

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	46 Months
Due	Apr 5, 2025

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON AR
Recording Date	Jul 25, 2023
Property Address	20181 GEM RD, LINCOLN, AR 72744-9303
Document Number	202300019056
Instrument Date	Jun 21, 2023
Instrument	2023-00019056
Transaction Type	Transfer
Record Updated	Nov 10, 2023
Title Company	NOT AVAILABLE, SPRUCE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,996.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300019057
Date	Jul 25, 2023
Instrument	2023-00019057

Lender

Name	LEGACY NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jul 24, 2024

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON AR
Recording Date	Apr 8, 2021
Property Address	20181 GEM RD, LINCOLN, AR 72744-9303
Document Number	202100013101
Instrument Date	Apr 5, 2021
Instrument	2021-00013101
Transaction Type	Transfer
Record Updated	Nov 10, 2023
Title Company	WACO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$155.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20181 GEM RD, LINCOLN, AR 72744-9303

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	607 STAGECOACH RD, GRAND ISLAND, NE 68801-7503
Investor	Possibly a Property Investor

Mortgage

Document Number	202100013102
Date	Apr 8, 2021
Instrument	2021-00013102

Lender

Name	SIGNATURE BANK OF ARKANSAS
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 20181 Gem Rd was $5,394.

Source: Washington County assessment roll, as of October 28, 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		$118,940 (+7.37%) Land $15,400 Building $103,540	$594,700 Land $77,000 Building $517,700
2025	$5,394.00	$110,780 Land $15,400 Building $95,380
2023	$4,698.00 (+93,86%)	$110,780 (+100,609.09%) Land $15,400 Building $95,380	$553,900 (+100,609.09%) Land $77,000 Building $476,900
2022	$5.00	$110 Land $110	$550 Land $550

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 20181 Gem Rd in Zone X, an area of minimal flood risk.

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

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 20181 Gem Rd is high, ranking above 72% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 72% of the US · above 97.4% of Arkansas
Wildfire Likelihood	0.4% 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 11 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Gem Rd

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