20482 Gem Rd, Lincoln, AR 72744 Property Records

Washington County property record for 20482 Gem Rd, Lincoln, AR 72744

Property Summary

Property Type	Rural Home
Details	1 ba · 1,334 sqft · built 1918
Lot Size	22.4 acres (976,615 sqft)
Owner	2 Individual Names on Record
Last Sale	$239,900 (Dec 2025)
Tax Bill	$2,572 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-09313-001`

Property Details

APN / Parcel Number

Primary APN	`001-09313-001`
Alternative APNs	`436988.0` `101148`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,334 sqft Living Area
1st Floor Area	1,334 sqft
Flooring	Carpet

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Exterior Material	Other
Construction Type	Frame
Foundation Type	Closed Piers
Roof Type	Gable
Roof Material	Metal
Lot Area	976,615 sqft (22.4 acres)
Milk House	1,400 sqft
Poultry House	Poultry House
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	20482 GEM RD
City	LINCOLN
State	AR
Zip	72744-9338
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	AA1
Legal Description	PT SE SE 22.42 AC FURTHER DESCRIBED FROM 2022-15099 AS: PART OF THE SE/4 OF THE SE/4 OF SECTION 2, TOWNSHIP 15 NORTH, RANGE 3
Legal Range	33
Legal Township	15
Legal Section	02
Legal Subdivision	02-15-33
Jurisdiction	WASHINGTON AR
Township / Civil Division	ILLINOIS
Census Block Group	1
Census Block	1034
Census Tract	10513

Owner

Source: Washington County records, as of October 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	20482 GEM RD, LINCOLN, AR 72744-9338
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2026	Deed of Trust, Mortgage · VA Mortgage CROSSCOUNTRY MORTGAGE
Dec 9, 2025	Warranty Deed, Transfer · VA Mortgage AMERICAN FINANCIAL RESOURCES INC
Apr 22, 2024	Warranty Deed, Transfer CITY TITLE AND CLOSING LLC, CITYTITLE & CLOSING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2025 · Amount on Record
Deed Sale	Dec 9, 2025 · Amount on Record
Prior Sale	May 4, 2022 · Amount on Record
Deed Document Number	202534333
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON AR
Recording Date	Sep 16, 2026
Property Address	20482 GEM RD, LINCOLN, AR 72744-9338
Document Number	0000027580
Instrument Date	Sep 11, 2026
Instrument	202627580
Transaction Type	Mortgage
Record Updated	Oct 19, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20482 GEM RD, LINCOLN, AR 72744-9338

Mortgage

Document Number	0000027580,
Date	Sep 16, 2026
Instrument	202627580

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON AR
Recording Date	Dec 9, 2025
Property Address	20482 GEM RD, LINCOLN, AR 72744-9338
Document Number	0202534333
Instrument Date	Dec 3, 2025
Instrument	2025-34333
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	UNKNOWN, WACO TITLE AS AGNT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$792.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20482 GEM RD, LINCOLN, AR 72744-9338

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20482 GEM RD, LINCOLN, AR 72744-9338

Mortgage

Document Number	0202534334
Date	Dec 9, 2025
Instrument	2025-34334

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON AR
Recording Date	Apr 22, 2024
Property Address	20482 GEM RD, LINCOLN, AR 72744-9338
Document Number	202400009428
Instrument Date	Apr 22, 2024
Instrument	2024-00009428
Transaction Type	Transfer
Record Updated	Jan 9, 2026
Title Company	CITY TITLE AND CLOSING LLC, CITYTITLE & CLOSING

Transaction

Amount	Amount Recorded
Tax	$2,376.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20482 GEM RD, LINCOLN, AR 72744-9338

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20482 GEM RD, LINCOLN, AR 72744-9338

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		$26,020 (-50.74%) Land $740 Building $25,280	$130,100 (-50.74%) Land $3,700 Building $126,400
2025	$2,572.00 (+27.26%)	$52,820 (+28.58%) Land $9,820 Building $43,000
2023	$2,021.00	$41,080 Land $9,820 Building $31,260	$264,100 Land $49,100 Building $215,000

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 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 74% of the US · above 98.3% of Arkansas
Wildfire Likelihood	0.5% 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	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 2 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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