203 Gray St, Bradford, AR 72020 Property Records

White County property record for 203 Gray St, Bradford, AR 72020

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,369 sqft · built 1975
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Mar 2024)
Tax Bill	$465 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`005-00848-000`

Property Details

APN / Parcel Number

Primary APN	`005-00848-000`
Alternative APN	`33338`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,369 sqft Living Area
1st Floor Area	1,369 sqft

Exterior

Year Built	Built 1975
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Closed Piers
Roof Type	Gable
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)
Garage Type	Carport
Carport	Carport
Driveway	Driveway
Driveway Area	960 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	147 sqft
Patio Area	100 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	203 GRAY ST
City	BRADFORD
State	AR
Zip	72020-9810
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SE SW & SW SE BEING 246' X 41' X 12' X 414' X 258' X 411'
Legal Subdivision	BRADFORD OUTLOTS
Jurisdiction	WHITE AR
Township / Civil Division	LIBERTY
Census Block Group	3
Census Block	3024
Census Tract	70100

Owner

Source: White County records, as of October 23, 2025

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
Co-owner	Co-owner on Record
Mailing Address	203 GRAY ST, BRADFORD, AR 72020-9810
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2024	Deed of Trust, Mortgage · FHA Mortgage FIRST COMMUNITY BANK
Jul 13, 2020	Warranty Deed, Transfer · Conventional Mortgage SIMMONS BANK

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Mar 13, 2024 · Amount on Record
Deed Sale	Mar 13, 2024 · Amount on Record
Prior Sale	Jul 13, 2020 · Amount on Record
Deed Document Number	2024-003509
Deed Book / Page	2024 / 03509
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE AR
Property Address	203 GRAY ST, BRADFORD, AR 72020-9810
Transaction Type	Mortgage
Record Updated	Apr 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 GRAY ST, BRADFORD, AR 72020-9810

Mortgage

Document Number	MTG2024/5334
Date	Mar 13, 2024
Book Page	MTG 2024/5334
Instrument	L202402915

Lender

Name	FIRST COMMUNITY BANK
Type	Bank
Address	BATESVILLE, AR 72501

Agreement

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

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE AR
Recording Date	Jul 13, 2020
Property Address	203 GRAY ST, BRADFORD, AR 72020-9810
Document Number	DEED2020/9178
Book / Page	DEED 2020 / 9178
Instrument Date	Jul 9, 2020
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	JACKSON HOLE TITLE, JACKSON TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$207.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 SE LINE RD, 100, BRADFORD, AR 72020-9268

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 GRAY ST, BRADFORD, AR 72020-9810

Mortgage

Document Number	MTG202017474
Date	Jul 13, 2020
Instrument	MTG 2020/17474

Lender

Name	SIMMONS BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

Source: White County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Arkansas
Municipality	Bradford City
County	White County
Unified School District	Bradford School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$465.00	$10,730 (-) Land $1,200 Building $9,530
2023	$465.00	$10,730 Land $1,200 Building $9,530	$53,650 Land $6,000 Building $47,650

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 21, 2016 · 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	9 in force
Nearby Flood Claims	15 (2009–2019)
Claims Outside the SFHA	5 of 15
Most Recent Claim	Feb 2019 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, And Associated Flooding, May 2011 · 6 claims

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	Moderate above 53% of the US · above 66% of Arkansas
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	BRADFORD WATERWORKS serves 986 people · EPA ID AR0000587
Water Source	Groundwater
Last State Inspection	Nov 2023

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Brightspeed DSL	60 / 5

May also be available: T-Mobile.

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