20187 Gem Rd, Lincoln, AR 72744 Property Records

Washington County property record for 20187 Gem Rd, Lincoln, AR 72744

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,698 sqft · built 2006
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Apr 2024)
Tax Bill	$2,648 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Apr 2024 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`001-09294-010`

Property Details

APN / Parcel Number

Primary APN	`001-09294-010`
Alternative APNs	`775949.0` `98177`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,698 sqft Living Area
1st Floor Area	1,198 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	217,800 sqft (5 acres)
Garage Type	Attached
Garage Area	500 sqft
Driveway	Concrete Driveway
Driveway Area	323 sqft

Exterior Amenities

Porch	Slab
Porch Area	204 sqft
Deck Area	285 sqft
Patio Area	224 sqft
Shed	1 Shed
Shed Area	480 sqft
Utility Building	720 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	20187 GEM RD
City	LINCOLN
State	AR
Zip	72744-9303
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	PT NE SW 5.00 AC FURTHER DESCRIBED FROM 2013-21526 AS: PART OF THE NE/4 OF THE SW/4 OF SECTION 1, TOWNSHIP 15 NORTH, RANGE 33
Legal Range	33
Legal Township	15
Legal Section	01
Legal Subdivision	01-15-33
Jurisdiction	WASHINGTON AR
Township / Civil Division	ILLINOIS
Census Block Group	2
Census Block	2068
Census Tract	10513

Owner

Source: Washington County records, as of October 6, 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	20187 GEM RD, LINCOLN, AR 72744-9303
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2025	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Apr 30, 2024	Warranty Deed, Transfer · FHA Mortgage AMERICAN MORTGAGE BANK
Jul 9, 2021	Warranty Deed, Transfer · FHA Mortgage UNITED FIDELITY FUNDING CORP
Apr 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage GENERATIONS BANK
Feb 26, 2019	Warranty Deed, Transfer · Conventional Mortgage GENERATIONS BANK
Dec 8, 2017	Warranty Deed, Transfer · Line of Credit ARVEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2024 · Amount on Record
Deed Sale	Apr 30, 2024 · Amount on Record
Prior Sale	Jul 9, 2021 · Amount on Record
Deed Document Number	202410315
Prior Transfer Date	Feb 9, 2007
Prior Transfer Doc	0000005858
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON AR
Property Address	20187 GEM RD, LINCOLN, AR 72744-9303
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20187 GEM RD, LINCOLN, AR 72744-9303

Mortgage

Document Number	0202530272
Date	Oct 30, 2025
Instrument	2025-30272

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON AR
Recording Date	Apr 30, 2024
Property Address	20187 GEM RD, LINCOLN, AR 72744-9303
Document Number	202400010315
Instrument Date	Apr 16, 2024
Instrument	2024-00010315
Transaction Type	Transfer
Record Updated	May 9, 2024
Title Company	WEST TITLE LLC, BEST TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,056.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	242 NEBO ST, PRAIRIE GROVE, AR 72753-5020

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20187 GEM RD, LINCOLN, AR 72744-9303

Mortgage

Document Number	202400010316
Date	Apr 30, 2024
Instrument	2024-00010316

Lender

Name	AMERICAN MORTGAGE BANK
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON AR
Recording Date	Jul 9, 2021
Property Address	20187 GEM RD, LINCOLN, AR 72744-9303
Document Number	202100026096
Instrument Date	Jul 2, 2021
Instrument	2021-00026096
Transaction Type	Transfer
Record Updated	Jul 19, 2021
Title Company	LIBERTY TITLE AND ESCROW, LIBERTY TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$867.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20187 GEM RD, LINCOLN, AR 72744-9303

Mortgage

Document Number	202100026097
Date	Jul 9, 2021
Instrument	2021-00026097

Lender

Name	UNITED FIDELITY FUNDING CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON AR
Property Address	20187 GEM RD, LINCOLN, AR 72744-9303
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000013324
Date	Apr 29, 2020
Instrument	2020-00013324

Lender

Name	GENERATIONS BANK
Type	Bank
Address	FAYETTEVILLE, AR 72703

Agreement

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

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON AR
Recording Date	Feb 26, 2019
Property Address	20187 GEM RD, LINCOLN, AR 72744-9303
Document Number	201900005100
Instrument Date	Feb 22, 2019
Instrument	2019-00005100
Transaction Type	Transfer
Record Updated	Oct 7, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$620.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2193 PICKWICK TER, 2193, SILOAM SPRINGS, AR 72761-5586

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20187 GEM RD, LINCOLN, AR 72744-9303

Mortgage

Document Number	201900005101
Date	Feb 26, 2019
Instrument	2019-00005101

Lender

Name	GENERATIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON AR
Recording Date	Dec 8, 2017
Property Address	20187 GEM RD, LINCOLN, AR 72744-9303
Document Number	201700037056
Instrument Date	Dec 7, 2017
Instrument	2017-00037056
Transaction Type	Transfer
Record Updated	Oct 7, 2021
Title Company	WACO TITLE COMPANY, WACO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$132.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19839 GEM RD # 837, 19839, LINCOLN, AR 72744-8805

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Et Al (and Others)
Address	20187 GEM RD, LINCOLN, AR 72744-9303

Mortgage

Document Number	201700037057
Date	Dec 8, 2017
Instrument	2017-00037057

Lender

Name	ARVEST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 7, 2032

Tax Assessment & Valuation

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		$54,380 (-) Land $15,400 Building $38,980	$271,900 (-) Land $77,000 Building $194,900
2025	$2,648.00 (+106.23%)	$54,380 (+3.64%) Land $15,400 Building $38,980
2023	$1,284.00 Homeowner's exemption	$52,470 Land $15,400 Building $37,070	$271,900 Land $77,000 Building $194,900

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 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

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

Wildfire Risk	High above 76% of the US · above 98.7% 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 8 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

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