Sebastian County property record for 2820 S Zero St, Fort Smith, AR 72901
| Property Type | Commercial |
|---|---|
| Details | 1,088 sqft · built 2016 |
| Lot Size | 0.92 acres (40,075 sqft) |
| Owner | Trust Name on File |
| Last Sale | $585,000 (Aug 2020) |
| Tax Bill | $5,402 (2026) |
| Deeds & Mortgages | Oct 2018 Mortgage Jul 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11900-0001-00000-00 |
| Primary APN | 11900-0001-00000-00 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,088 sqft Gross Area |
| 1st Floor Area | 1,088 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Brick Veneer |
| Fire Resistance | Wood or Wood & Steel Frame |
| Foundation Type | Concrete |
| Roof Type | Rigid Frame Bar Joist |
| Roof Material | Metal |
| Lot Area | 40,075 sqft (0.92 acres) |
| Canopy | 540 sqft |
| Cooling System | None |
|---|
| Street Address | 2820 S ZERO ST |
|---|---|
| City | FORT SMITH |
| State | AR |
| Zip | 72901-8762 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | TRACT 1 |
| Legal Range | 32 |
| Legal Township | 07 |
| Legal Section | 03 |
| Legal Subdivision | BREEDEN TRACTS 1 & 2 |
| Legal Tract | 1 |
| Legal Block | 1 |
| Jurisdiction | SEBASTIAN AR |
| Township / Civil Division | UPPER |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 1309 |
2820 S Zero St, a commercial property, is held in a trust since August 2020.
Source: Sebastian County records, as of September 29, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 5900 HIGHWAY 71 S, FORT SMITH, AR 72908-7423 |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
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 |
|---|---|
| Oct 24, 2018 | Deed of Trust, Mortgage · Commercial Mortgage FIRSTAR BANK NA |
| Jul 17, 2018 | Deed of Trust, Mortgage · Commercial Mortgage FIRSTAR BANK NA |
| Aug 4, 2020 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 4, 2020 · Amount on File |
| Deed Sale | Aug 4, 2020 · Amount on File |
| Prior Sale | Nov 10, 2015 · Amount on File |
| Deed Document Number | 202017719 |
| Prior Transfer Date | Jul 31, 2020 |
| Prior Transfer Doc | 2020F17719 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEBASTIAN AR |
| Property Address | 2820 S ZERO ST, FORT SMITH, AR 72901-8762 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2018F23841 |
|---|---|
| Date | Oct 24, 2018 |
| Instrument | 2018F-23841 |
| Name | FIRSTAR BANK NA |
|---|---|
| Type | Bank |
| Address | FORT SMITH, AR 72903 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 11 Months |
| Due | Sep 10, 2019 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEBASTIAN AR |
| Property Address | 2820 S ZERO ST, FORT SMITH, AR 72901-8762 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2018F15834 |
|---|---|
| Date | Jul 17, 2018 |
| Instrument | 2018F-15834 |
| Name | FIRSTAR BANK NA |
|---|---|
| Type | Bank |
| Address | 57840 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 20, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEBASTIAN AR |
| Recording Date | Aug 4, 2020 |
| Property Address | 2820 S ZERO ST, FORT SMITH, AR 72901-8762 |
| Document Number | 2020F17719 |
| Instrument Date | Jul 31, 2020 |
| Instrument | 2020F-17719 |
| Transaction Type | Transfer |
| Record Updated | Oct 9, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $1,930.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5724 S 29TH ST, FORT SMITH, AR 72908-7520 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 5900 HIGHWAY 71 S, FORT SMITH, AR 72908-7423 |
The 2026 property tax bill for 2820 S Zero St was $5,402.
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 | $5,402.00 | $95,208 (-) Land $30,056 Building $65,152 | $476,040 (-) Land $150,280 Building $325,760 |
| 2025 | $5,402.00 | $95,208 Land $30,056 Building $65,152 | $476,040 Land $150,280 Building $325,760 |
| 2023 | $4,911.00 | $84,590 Land $24,040 Building $60,550 | $422,950 Land $120,200 Building $302,750 |
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 2820 S Zero St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.
Source: FEMA National Flood Hazard Layer, effective June 1, 2025 · 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 | 1 (2025) |
| Most Recent Claim | May 2025 · other causes |
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.
The area around 2820 S Zero St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 170 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Dobson Fiber Fiber | 10,000 / 10,000 |
| Right Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber · Fixed Wireless · DSL | 5,000 / 5,000 |
| Cox Communications Cable · Fiber | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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