Sebastian County property record for 2109 Ramsgate Way, Fort Smith, AR 72908
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 4,635 sqft |
| Lot Size | 0.829 acres (36,111 sqft) |
| Owner | Individual Name on File |
| Last Sale | $387,000 (Oct 2020) |
| Tax Bill | $5,358 (2026) |
| Deeds & Mortgages | Dec 2023 Second Mortgage Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12584-1353-00000-00 |
| Primary APN | 12584-1353-00000-00 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 4,635 sqft Living Area |
| Gross Area | 5,785 sqft |
| 1st Floor Area | 2,552 sqft |
| Upper Floors Area | 2,083 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Brick/Stone |
|---|---|
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Fiberglass |
| Lot Area | 36,111 sqft (0.829 acres) |
| Lot Dimensions | 301 ft deep x 99 ft wide |
| Garage Type | Attached |
| Garage Area | 826 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 980 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Enclosed Glass Porch |
| Porch Area | 1,000 sqft |
| Patio Area | 40 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 89262 |
|---|---|
| Street Address | 2109 RAMSGATE WAY |
| City | FORT SMITH |
| State | AR |
| Zip | 72908-0952 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1353 |
| Legal Range | 32 |
| Legal Township | 07 |
| Legal Section | 16 |
| Legal Subdivision | FIANNA ESTATES |
| Legal Block | 2 |
| Legal Lot Number | 1353 |
| Jurisdiction | SEBASTIAN AR |
| Township / Civil Division | UPPER |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 1311 |
2109 Ramsgate Way is owned and occupied by an individual who bought it in October 2020.
Source: Sebastian County records, as of August 31, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2109 RAMSGATE WAY, FORT SMITH, AR 72908-0952 |
| 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.
| Date | Document |
|---|---|
| Dec 21, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| Oct 23, 2020 | Warranty Deed, Transfer · VA Mortgage QUICKEN LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 23, 2020 · Amount on File |
| Deed Sale | Oct 23, 2020 · Amount on File |
| Prior Sale | Oct 19, 2007 |
| Deed Document Number | 202025994 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEBASTIAN AR |
| Property Address | 2109 RAMSGATE WAY, FORT SMITH, AR 72908-0952 |
| Transaction Type | Mortgage |
| Record Updated | Jan 1, 2024 |
| Name | Verified Name |
|---|
| Document Number | 2023F25132 |
|---|---|
| Date | Dec 21, 2023 |
| Instrument | 2023F-25132 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | CONSHOHOCKEN, PA 19428 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jan 1, 2044 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEBASTIAN AR |
| Recording Date | Oct 23, 2020 |
| Property Address | 2109 RAMSGATE WAY, FORT SMITH, AR 72908-0952 |
| Document Number | 2020F25994 |
| Instrument Date | Oct 16, 2020 |
| Instrument | 2020F-25994 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,277.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2109 BAMGLEN WAY, CHOCTAW, AR 72028 |
| Document Number | 2020F25995 |
|---|---|
| Date | Oct 23, 2020 |
| Instrument | 2020F-25995 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
The 2026 property tax bill for 2109 Ramsgate Way was $5,358.
Source: Sebastian County assessment roll, as of August 31, 2026
| Type | Name |
|---|---|
| State | Arkansas |
| County | Sebastian County |
| Municipality | Fort Smith City |
| Unified School District | Fort Smith Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,358.00 | $126,251 (-) Land $14,000 Building $112,251 | $631,255 (-) Land $70,000 Building $561,255 |
| 2025 | $5,358.00 | $126,251 Land $14,000 Building $112,251 | $631,255 Land $70,000 Building $561,255 |
| 2023 | $4,871.00 | $83,910 Land $13,750 Building $70,160 | $419,550 Land $68,750 Building $350,800 |
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.
FEMA maps place 2109 Ramsgate Way in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 1, 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 risk around 2109 Ramsgate Way is moderate, ranking above 45% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · above 51% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | FORT SMITH WATER UTILITIES serves 86,209 people · EPA ID AR0000507 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2026 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Treatment failure resolved · Aug 2017 |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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.
Source: FCC Broadband Data Collection, based on 288 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Wave Rural Connect Fiber | 1,000 / 1,000 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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