221 Rainbow Heights Dr, Cotter, AR 72626 Property Records

Baxter County property record for 221 Rainbow Heights Dr, Cotter, AR 72626

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,516 sqft
Lot Size	0.472 acres (20,564 sqft)
Owner	2 Individual Names on Record
Last Sale	$178,000 (Mar 2019)
Tax Bill	$1,239 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-00556-007`

Property Details

APN / Parcel Number

Primary APN	`004-00556-007`
Alternative APN	`27245`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,516 sqft Living Area
1st Floor Area	2,516 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Construction Type	Frame
Foundation Type	Closed Piers
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	20,564 sqft (0.472 acres)
Lot Dimensions	212 ft deep x 97 ft wide
Garage Type	Carport
Carport	Carport
Driveway	Driveway
Driveway Area	2,646 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	176 sqft
Deck Area	438 sqft
Utility Building	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	221 RAINBOW HEIGHTS DR
City	COTTER
State	AR
Zip	72626-9788
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 7 & 8 BLOCK A RAINBOW HEIGHTS ADD.
Legal Subdivision	RAINBOW HTS
Legal Block	A
Legal Lot Number	7,8
Jurisdiction	BAXTER AR
Township / Civil Division	WHITEVILLE
Census Block Group	2
Census Block	2033
Census Tract	950900

Owner

Source: Baxter County records, as of March 16, 2026

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
Mailing Address	221 RAINBOW HEIGHTS DR, COTTER, AR 72626-9788
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2026	Deed of Trust, Mortgage · Line of Credit ARVEST BANK
Dec 18, 2020	Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2019 · Amount on Record
Deed Sale	Mar 14, 2019 · Amount on Record
Deed Document Number	2019-L201902160
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAXTER AR
Property Address	221 RAINBOW HEIGHTS DR, COTTER, AR 72626-9788
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 RAINBOW HEIGHTS DR, COTTER, AR 72626-9788

Mortgage

Document Number	L202601554
Date	Feb 24, 2026
Instrument	L202601554

Lender

Name	ARVEST BANK
Type	Bank
Address	FLIPPIN, AR 72634

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 23, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAXTER AR
Property Address	221 RAINBOW HEIGHTS DR, COTTER, AR 72626-9788
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	L202013295
Date	Dec 18, 2020
Instrument	L202013295

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	178 Months
Due	Oct 28, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Arkansas
County	Baxter County
Municipality	Cotter City
Unified School District	Cotter School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,239.00 (-7.47%) Homeowner's exemption	$47,000 (-) Land $8,000 Building $39,000
2024	$1,339.00 (-5.3%)
2023	$1,414.00 Homeowner's exemption	$47,000 Land $8,000 Building $39,000	$235,000 Land $40,000 Building $195,000

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 December 3, 2010

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	Moderate above 57% of the US · above 75% 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	COTTER WATERWORKS serves 1,233 people · EPA ID AR0000028
Water Source	Groundwater
Last State Inspection	Jul 2024

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
NEXT, Powered by NAEC Fiber	1,000 / 1,000
Mountain View Telephone Company Fiber	1,000 / 500
T-Mobile Fixed Wireless	100 / 20

May also be available: Optimum, Verizon.

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