25 Lacy Ln, Ward, AR 72176 Property Records

Lonoke County property record for 25 Lacy Ln, Ward, AR 72176

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,773 sqft · built 2017
Lot Size	3.81 acres (166,399 sqft)
Owner	2 Individual Names on Record
Last Sale	$36,000 (Aug 2017)
Tax Bill	$2,526 (2024)
Deeds & Mortgages	Dec 2025 Line of Credit Aug 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`374-55010-000`

Property Details

APN / Parcel Number

Primary APN	`374-55010-000`
Alternative APN	`42521`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,773 sqft Living Area
1st Floor Area	2,473 sqft
Upper Floors Area	300 sqft
Flooring	Vinyl/Resilient

Exterior

Year Built	Built 2017
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	166,399 sqft (3.81 acres)
Garage Type	Mixed
Garage Area	650 sqft
Carport	Carport
Carport Area	480 sqft
Driveway	Driveway
Driveway Area	2,796 sqft
Porch	Open Porch
Porch Area	704 sqft
Utility Building	960 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	25 LACY LN
City	WARD
State	AR
Zip	72176-8025
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:10-11 CITY/MUNI/TWP:RURAL SUBD:SANDY CREEK ADDITION II SEC/TWN/RNG/MER:SEC 05 TWN 04N RNG 08W
Legal Range	08W
Legal Township	04N
Legal Section	05
Legal Subdivision	SANDY CREEK ADDITION II
Legal Lot Number	10-11
Jurisdiction	LONOKE AR
Township / Civil Division	BUTLER
Census Block Group	2
Census Block	2017
Census Tract	20102

Owner

Source: Lonoke County records, as of December 15, 2025

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	25 LACY LN, WARD, AR 72176-8025
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2025	Deed of Trust, Mortgage · Line of Credit FIRST ARKANSAS BANK & TRUST
Aug 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRSTTRUST HOME LOANS INC
Oct 4, 2019	Deed of Trust, Mortgage · Conventional with PMI FIRST AR BK&TR
Jul 12, 2019	Loan Modification, Mortgage FIRST CMNTY BK
Jul 18, 2018	Trustee's Deed, Construction Loan · Construction Mortgage FIRST CMNTY BK
Apr 25, 2018	Deed of Trust, Mortgage FIRST COMM
Aug 9, 2017	Trustee's Deed, Construction Loan · Construction Mortgage FIRST CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2017 · Amount on Record
Deed Sale	Aug 9, 2017 · Amount on Record
Deed Document Number	0201707800
Deed Book / Page	2017 / 07800
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LONOKE AR
Property Address	25 LACY LN, WARD, AR 72176-8025
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 LACY LN, WARD, AR 72176-8025

Mortgage

Document Number	0000011916
Date	Dec 15, 2025
Book Page	2025/11916
Instrument	2025-11916

Lender

Name	FIRST ARKANSAS BANK & TRUST
Type	Bank
Address	JACKSONVILLE, AR 72078

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	38 Months
Due	Feb 1, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LONOKE AR
Property Address	25 LACY LN, WARD, AR 72176-8025
Transaction Type	Mortgage
Record Updated	Jul 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010137
Date	Aug 3, 2021
Book Page	2021/10137
Instrument	2021-10137

Lender

Name	FIRSTTRUST HOME LOANS INC
Type	Mortgage Company
Address	SHERIDAN, AR 72150

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LONOKE AR
Property Address	25 LACY LN, WARD, AR 72176-8025
Document Number	0000010659
Instrument Date	Oct 4, 2019
Transaction Type	Mortgage
Record Updated	Nov 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	25 LACY LN WARD AR 721768025, WARD, AR 72176-8025

Mortgage

Document Number	0000010659
Date	Oct 22, 2019
Instrument	10659

Lender

Name	FIRST AR BK&TR
Type	Bank
Address	SHERWOOD, AR 72124

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2049

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LONOKE AR
Property Address	25 LACY LN, WARD, AR 72176-8025
Document Number	0000007823
Instrument Date	Jul 12, 2019
Transaction Type	Mortgage
Record Updated	Aug 27, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	25 LACY LN WARD AR 721768025, WARD, AR 72176-8025

Mortgage

Document Number	0000007823
Date	Aug 8, 2019
Instrument	7823

Lender

Name	FIRST CMNTY BK
Type	Bank
Address	BATESVILLE, AR 72503-4330

Agreement

Term	36 Months
Due	Aug 7, 2022

July 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LONOKE AR
Recording Date	Jul 18, 2018
Property Address	25 LACY LN, WARD, AR 72176-8025
Instrument Date	Jul 13, 2018
Instrument	6830
Transaction Type	Construction Loan
Record Updated	Jan 15, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	25 LACY LN WARD AR 721768025, WARD, AR 72176-8025

Mortgage

Document Number	0000006830
Date	Jul 18, 2018
Instrument	6830

Lender

Name	FIRST CMNTY BK
Type	Bank
Address	BATESVILLE, AR 72503-4330

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 17, 2019

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LONOKE AR
Property Address	25 LACY LN, WARD, AR 72176-8025
Document Number	0000004092
Instrument Date	Apr 25, 2018
Transaction Type	Mortgage
Record Updated	May 29, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	25 LACY LN WARD AR 721768025, WARD, AR 72176-8025

Mortgage

Document Number	0000004092
Date	May 2, 2018
Instrument	4092

Lender

Name	FIRST COMM
Address	BATESVILLE, AR 72501

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

August 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LONOKE AR
Recording Date	Aug 9, 2017
Property Address	25 LACY LN, WARD, AR 72176-8025
Instrument Date	Aug 1, 2017
Instrument	7801
Transaction Type	Construction Loan
Record Updated	Sep 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	30 CEDARWOOD DR CABOT AR 720233659, CABOT, AR 72023-3659

Mortgage

Document Number	0000007801
Date	Aug 9, 2017
Instrument	7801

Lender

Name	FIRST CMNTY BK
Type	Bank
Address	BATESVILLE, AR 72503-4330

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 8, 2018

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$65,930 (+11.37%) Land $4,500 Building $61,430
2024	$2,526.00 (+10.21%)
2023	$2,292.00 Homeowner's exemption	$59,200 Land $4,500 Building $54,700	$329,650 Land $22,500 Building $307,150

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

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
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (2025)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 2025 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Apr 2025 · 2 claims

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	Moderate above 45% of the US · above 51% of Arkansas
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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	GRAND PRAIRIE BAYOU 2 PWA serves 13,138 people · EPA ID AR0000734
Water Source	Purchased surface water from LONOKE WHITE PUBLIC WATER AUTHORITY
Last State Inspection	Sep 2025
Lead	1 ppb (2026–2028) 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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Connect2First Fiber	1,000 / 1,000
Optimum Cable	940 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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