Garland County property record for 285 Rainwaters St, Royal, AR 71968
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,525 sqft · built 1998 |
| Lot Size | 2.25 acres (98,010 sqft) |
| Owner | Company Name on Record |
| Last Sale | $90,000 (Nov 1999) |
| Tax Bill | $1,511 (2025) |
| Deeds & Mortgages | May 2026 Mortgage May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 200-00100-023-000 |
| Primary APN | 200-00100-023-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,525 sqft Living Area |
| 1st Floor Area | 1,525 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Closed Piers |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 98,010 sqft (2.25 acres) |
| Lot Dimensions | 515 ft deep x 190 ft wide |
| Garage Type | Mixed |
| Garage Area | 462 sqft |
| Driveway | Asphalt Driveway |
| Driveway Area | 663 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 95 sqft |
| Deck Area | 480 sqft |
| Patio Area | 624 sqft |
| Shed | 1 Shed |
| Shed Area | 400 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 285 RAINWATERS ST |
|---|---|
| City | ROYAL |
| State | AR |
| Zip | 71968-8241 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BLK 2 LOT 13-17 |
| Legal Range | 21W |
| Legal Township | 03S |
| Legal Section | 04 |
| Legal Subdivision | A.K.'S BEAR CREEK ESTS #2 |
| Legal Block | 2 |
| Legal Lot Number | 13-17 |
| Jurisdiction | GARLAND AR |
| Township / Civil Division | HALE |
| Census Block Group | 2 |
| Census Block | 2043 |
| Census Tract | 10302 |
Source: Garland County records, as of June 1, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 3099 OLD DALLAS RD, BONNERDALE, AR 71933-9223 |
| Owner Type | Company |
| Date | Document |
|---|---|
| May 20, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FIRSTTRUST HOME LOANS INC |
| May 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BENCHMARK HM LN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 1, 1999 · Amount on Record |
| Deed Sale | Nov 1, 1999 · Amount on Record |
| Prior Sale | Sep 26, 1997 · Amount on Record |
| Deed Book / Page | 1914 / 594 |
| Transfer Doc | 0023110112 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARLAND AR |
| Recording Date | May 20, 2026 |
| Property Address | 285 RAINWATERS ST, ROYAL, AR 71968-8241 |
| Document Number | 4874000384 |
| Book / Page | 4874 / 384 |
| Instrument Date | May 15, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3099 OLD DALLAS RD, BONNERDALE, AR 71933-9223 |
| Document Number | 4874000384, |
|---|---|
| Date | May 20, 2026 |
| Book Page | 4874/384 |
| Name | FIRSTTRUST HOME LOANS INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARLAND AR |
| Property Address | 285 RAINWATERS ST, ROYAL, AR 71968-8241 |
| Document Number | 0041560591 |
| Instrument Date | May 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 285 RAINWATERS ST ROYAL AR 719688241, ROYAL, AR 71968-8241 |
| Document Number | 0041560591 |
|---|---|
| Date | May 11, 2020 |
| Book Page | 004156/000591 |
| Name | BENCHMARK HM LN |
|---|---|
| Type | Funding / Finance Company |
| Address | PLANO, TX 75024 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 10, 2050 |
Source: Garland County assessment roll, as of October 16, 2025
| Type | Name |
|---|---|
| State | Arkansas |
| County | Garland County |
| Unified School District | Lake Hamilton School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,511.00 (+18.23%) | $37,090 (-) Land $6,500 Building $30,590 | |
| 2023 | $1,278.00 | $37,090 Land $6,500 Building $30,590 | $185,450 Land $32,500 Building $152,950 |
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.
Source: FEMA National Flood Hazard Layer, effective November 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 1 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · above 49% of Arkansas |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
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 | HOT SPRINGS UTILITIES serves 75,343 people · EPA ID AR0000209 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2024 |
| Lead | 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jan 2019 |
|---|---|
| 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 66 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Longview Cable Television Company Fiber | 1,000 / 1,000 |
May also be available: Verizon, Wireless ETC.
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