21028 Cedar Rdg, Garfield, AR 72732 Property Records

Benton County property record for 21028 Cedar Rdg, Garfield, AR 72732

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,030 sqft · built 2025
Lot Size	2.83 acres (123,275 sqft)
Owner	2 Individual Names on File
Last Sale	$18,000 (Apr 2004)
Tax Bill	$10,598 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Mar 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-04788-000`

Property Details

APN / Parcel Number

Primary APN	`15-04788-000`
Alternative APNs	`52506.0` `52506`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	3,030 sqft Living Area
Gross Area	3,602 sqft
1st Floor Area	2,338 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Construction Type	Frame
Roof Type	Gable
Roof Material	Fiberglass
Lot Area	123,275 sqft
Garage Type	Attached
Garage Area	572 sqft
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	52506
Street Address	21028 CEDAR RDG
City	GARFIELD
State	AR
Zip	72732-6013
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLAT 7/27/1972 O-20 & REPLAT 6/8/2022 L202238484
Legal Range	28
Legal Township	20
Legal Section	25
Legal Subdivision	CEDAR ACRES SECTION 1-RURBAN
Legal Lot Number	74-A
Jurisdiction	BENTON AR
Township / Civil Division	1
Census Block Group	3
Census Block	3015
Census Tract	21405

Owner

21028 Cedar Rdg is owned and occupied by two individuals who bought it in April 2004.

Source: Benton County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	21028 CEDAR RDG, GARFIELD, AR 72732-6013
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 14, 2026	Deed of Trust, Mortgage · Line of Credit ARVEST BANK
Mar 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY MORTGAGE INC
Apr 16, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 12, 2022	Deed of Trust, Mortgage · Construction Mortgage THE CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2004 · Amount on File
Deed Sale	Apr 19, 2004 · Amount on File
Prior Sale	Oct 18, 1996
Deed Document Number	200415907
Transfer Doc	0000000000
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON AR
Recording Date	Apr 14, 2026
Property Address	21028 CEDAR RDG, GARFIELD, AR 72732-6013
Document Number	0000020539
Instrument Date	Apr 8, 2026
Instrument	202620539
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21028 CEDAR RDG, GARFIELD, AR 72732-6013
Investor	Possibly a Property Investor

Mortgage

Document Number	0000020539,
Date	Apr 14, 2026
Instrument	202620539

Lender

Name	ARVEST BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 15, 2051

Interest

Rate	6.11%
Max Rate	-1%

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON AR
Property Address	21028 CEDAR RDG, GARFIELD, AR 72732-6013
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21028 CEDAR RDG, GARFIELD, AR 72732-6013

Mortgage

Document Number	L202611751
Date	Mar 4, 2026
Instrument	L202611751

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company
Address	262 ROBERT ROSE DR, MURFREESBORO, TN 37129

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON AR
Property Address	21028 CEDAR RDG, GARFIELD, AR 72732-6013
Transaction Type	Mortgage
Record Updated	Apr 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21028 CEDAR RDG, GARFIELD, AR 72732-6013
Investor	Possibly a Property Investor

Mortgage

Document Number	L202418873
Date	Apr 16, 2024
Instrument	L202418873

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON AR
Property Address	21028 CEDAR RDG, GARFIELD, AR 72732-6013
Transaction Type	Mortgage
Record Updated	May 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	300 MOURNING DOVE LN, MADISONVILLE, LA 70447-4006

Mortgage

Document Number	L202231933
Date	May 12, 2022
Instrument	L202231933

Lender

Name	THE CITIZENS BANK
Type	Bank
Address	FAYETTEVILLE, AR 72704

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 1, 2023

Tax Assessment & Valuation

The 2026 property tax bill for 21028 Cedar Rdg was $10,598 with a homeowner's exemption, up 1,705.5% from the year before.

Source: Benton County assessment roll, as of September 1, 2026

Property Jurisdictions

Type	Name
State	Arkansas
County	Benton County
Unified School District	Rogers Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,598.00 (+1,705.45%) Homeowner's exemption	$206,598 (+739.83%) Land $24,600 Building $181,998	$1,032,990 (+739.83%) Land $123,000 Building $909,990
2025	$587.00	$24,600 Land $24,600	$123,000 (-) Land $123,000
2024			$123,000 (+156.25%) Land $123,000
2023	$461.00	$9,600 Land $9,600	$48,000 Land $48,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 21028 Cedar Rdg in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

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

Wildfire risk around 21028 Cedar Rdg is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 65% of Arkansas
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Brightspeed DSL	80 / 10
Total HighSpeed Internet Solutions Fixed Wireless	30 / 10

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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