21 Stephens St, Ward, AR 72176 Property Records

Lonoke County property record for 21 Stephens St, Ward, AR 72176

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,136 sqft · built 1992
Owner	Individual Name on Record
Last Sale	$87,500 (Aug 2017)
Tax Bill	$837 (2024)
Deeds & Mortgages	Nov 2019 Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`800-15009-000`

Property Details

APN / Parcel Number

Primary APN	`800-15009-000`
Alternative APN	`38456`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,136 sqft Living Area
1st Floor Area	1,136 sqft
Flooring	Vinyl/Resilient

Exterior

Year Built	Built 1992
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Garage Type	Carport
Carport	Carport
Carport Area	372 sqft
Driveway	Driveway
Driveway Area	1,018 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	68 sqft
Deck Area	168 sqft
Patio Area	368 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	21 STEPHENS ST
City	WARD
State	AR
Zip	72176-9350
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:9 CITY/MUNI/TWP:WARD SUBD:GRIFFIN II SEC/TWN/RNG/MER:SEC 27 TWN 05N RNG 09W
Legal Range	09W
Legal Township	05N
Legal Section	27
Legal Subdivision	GRIFFIN II
Legal Lot Number	9
Jurisdiction	LONOKE AR
Township / Civil Division	WARD
Census Block Group	1
Census Block	1017
Census Tract	20102

Owner

Source: Lonoke County records, as of October 17, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	21 STEPHENS ST, WARD, AR 72176-9350
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2019	Deed of Trust, Mortgage QUICKEN LNS
Aug 11, 2017	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2017 · Amount on Record
Deed Sale	Aug 11, 2017 · Amount on Record
Prior Sale	Mar 22, 2007
Deed Document Number	0201707856
Deed Book / Page	2017 / 07856
Record Updated	Jun 7, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LONOKE AR
Property Address	21 STEPHENS ST, WARD, AR 72176-9350
Document Number	0000011966
Instrument Date	Nov 5, 2019
Transaction Type	Mortgage
Record Updated	Dec 23, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	21 STEPHENS ST WARD AR 721769350, WARD, AR 72176-9350

Mortgage

Document Number	0000011966
Date	Nov 26, 2019
Instrument	11966

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Nov 25, 2039

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LONOKE AR
Recording Date	Aug 11, 2017
Property Address	21 STEPHENS ST, WARD, AR 72176-9350
Document Number	0000007856
Instrument Date	Aug 7, 2017
Instrument	7856
Transaction Type	Transfer
Record Updated	Sep 26, 2017
Title Company	TRINITY TITLE COMPANY, REALTY TITLE & ESCROW CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$288.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 STEPHENS ST WARD AR 721769350, WARD, AR 72176-9350

Mortgage

Document Number	7857
Date	Aug 11, 2017
Instrument	7857

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 10, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Arkansas
County	Lonoke County
Municipality	Ward City
Unified School District	Cabot Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$16,460 (-) Land $2,000 Building $14,460
2024	$837.00
2023	$837.00	$16,460 Land $2,000 Building $14,460	$82,300 Land $10,000 Building $72,300

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 April 25, 2024 · 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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2015 · rainfall accumulation

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	Low lower than 80% of the US · lower than 83% of Arkansas
Wildfire Likelihood	0.02% 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	WARD WATERWORKS serves 12,579 people · EPA ID AR0000345
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2024
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	No certified operator Jul 2025
Monitoring and Reporting	None 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 315 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Connect2First Fiber	1,000 / 1,000
Optimum Cable	940 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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