2912 Cliff Dr, Fort Smith, AR 72901 Property Records

Sebastian County property record for 2912 Cliff Dr, Fort Smith, AR 72901

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,727 sqft · built 2003
Lot Size	1.68 acres (73,573 sqft)
Owner	Company Name on File
Last Sale	$605,000 (Sep 2025)
Tax Bill	$4,187 (2026)
Deeds & Mortgages	Apr 2020 Mortgage Sep 2025 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`16955-0012-00000-00`

Property Details

APN / Parcel Number

Primary APN	`16955-0012-00000-00`
Alternative APN	`43575`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,727 sqft Living Area
Gross Area	3,495 sqft
1st Floor Area	2,727 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Fiberglass
Lot Area	73,573 sqft
Lot Dimensions	262 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	768 sqft
Driveway	Concrete Driveway
Driveway Area	2,051 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	51 sqft
Patio Area	217 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	43575
Street Address	2912 CLIFF DR
City	FORT SMITH
State	AR
Zip	72901-7709
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12
Legal Range	32
Legal Township	08
Legal Section	27
Legal Subdivision	SEBASTIAN WOODS II
Legal Block	3
Legal Lot Number	12
Jurisdiction	SEBASTIAN AR
Township / Civil Division	UPPER
Census Block Group	3
Census Block	3013
Census Tract	1201

Owner

2912 Cliff Dr is owned by a company that bought it in September 2025.

Source: Sebastian County records, as of August 31, 2026

Owner of Record	Company Name on File
Mailing Address	455 TAFT AVE, GLEN ELLYN, IL 60137-6202
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST SECURITY BANK
Sep 11, 2025	Warranty Deed, Transfer · VA Mortgage MUTUAL OF OMAHA MORTGAGE INC
Sep 11, 2025	Warranty Deed, Transfer WACO TITLE AS AGENT
Dec 7, 2021	Warranty Deed, Transfer · Conventional Mortgage PREMIA MORTGAGE LLC
Feb 28, 2018	Intrafamily Transfer, Transfer
Feb 28, 2018	Intrafamily Transfer, Transfer
Jan 26, 2017	Warranty Deed, Transfer · Conventional Mortgage FIRSTAR BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2025 · Amount on File
Deed Sale	Sep 11, 2025 · Amount on File
Prior Sale	Sep 11, 2025 · Amount on File
Deed Document Number	202517696
Prior Transfer Date	Nov 29, 2017
Prior Transfer Doc	2018F04488
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEBASTIAN AR
Property Address	2912 CLIFF DR, FORT SMITH, AR 72901-7709
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020F09323
Date	Apr 27, 2020
Instrument	2020F-09323

Lender

Name	FIRST SECURITY BANK
Type	Bank
Address	SEARCY, AR 72143

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	May 1, 2030

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEBASTIAN AR
Recording Date	Sep 11, 2025
Property Address	2912 CLIFF DR, FORT SMITH, AR 72901-7709
Document Number	0202517696
Instrument Date	Aug 5, 2025
Instrument	2025-17696
Transaction Type	Transfer
Record Updated	Sep 29, 2025
Title Company	UNKNOWN, WACO TITLE AS AGENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,996.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	455 TAFT AVE, GLEN ELLYN, IL 60137-6202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2912 CLIFF DR, FORT SMITH, AR 72901-7709

Mortgage

Document Number	0202517697
Date	Sep 11, 2025
Instrument	2025-17697

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEBASTIAN AR
Recording Date	Sep 11, 2025
Property Address	2912 CLIFF DR, FORT SMITH, AR 72901-7709
Document Number	0202517695
Instrument Date	Jul 18, 2025
Instrument	2025-17695
Transaction Type	Transfer
Record Updated	Dec 1, 2025
Title Company	WACO TITLE AS AGENT

Transaction

Amount	Amount on Record
Tax	$1,996.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2912 CLIFF DR, FORT SMITH, AR 72901-7709

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	455 TAFT AVE, GLEN ELLYN, IL 60137-6202
Investor	Possibly a Property Investor

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEBASTIAN AR
Recording Date	Dec 7, 2021
Property Address	2912 CLIFF DR, FORT SMITH, AR 72901-7709
Document Number	2021F31614
Instrument Date	Dec 3, 2021
Instrument	2021F-31614
Transaction Type	Transfer
Record Updated	Sep 26, 2025
Title Company	GUARDIAN ABSTRACT AND TITLE COMPANY, GUARANTY ABSTRACT & TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,617.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6801 S Q CT, FORT SMITH, AR 72903-2822

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2912 CLIFF DR, FORT SMITH, AR 72901-7709

Mortgage

Document Number	2021F31616
Date	Dec 7, 2021
Instrument	2021F-31616

Lender

Name	PREMIA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

February 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SEBASTIAN AR
Recording Date	Feb 28, 2018
Property Address	2912 CLIFF DR, FORT SMITH, AR 72901-7709
Document Number	2018F04488
Instrument Date	Nov 29, 2017
Instrument	2018F-04488
Transaction Type	Transfer
Record Updated	Sep 26, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	2912 CLIFF DR, FORT SMITH, AR 72901-7709

February 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SEBASTIAN AR
Recording Date	Feb 28, 2018
Property Address	2912 CLIFF DR, FORT SMITH, AR 72901-7709
Document Number	2018F04499
Instrument Date	Nov 29, 2017
Instrument	2018F-04499
Transaction Type	Transfer
Record Updated	Sep 26, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2912 CLIFF DR, FORT SMITH, AR 72901-7709

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEBASTIAN AR
Recording Date	Jan 26, 2017
Property Address	2912 CLIFF DR, FORT SMITH, AR 72901-7709
Document Number	2017F01862
Instrument Date	Jan 25, 2017
Instrument	2017F-01862
Transaction Type	Transfer
Record Updated	Sep 26, 2025
Title Company	STEWART TITLE ALASKA, STEWART TITLE OF ARKANSAS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2912 CLIFF DR, FORT SMITH, AR 72901-7709

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2912 CLIFF DR, FORT SMITH, AR 72901-7709

Mortgage

Document Number	2017F01866
Date	Jan 26, 2017
Instrument	2017F-01866

Lender

Name	FIRSTAR BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2032

Tax Assessment & Valuation

The 2026 property tax bill for 2912 Cliff Dr was $4,187.

Source: Sebastian County assessment roll, as of August 31, 2026

Property Jurisdictions

Type	Name
State	Arkansas
County	Sebastian County
Municipality	Fort Smith City
Unified School District	Fort Smith Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,187.00	$112,055 (-) Land $29,000 Building $83,055	$560,275 (-) Land $145,000 Building $415,275
2025	$4,187.00 (+16.11%)	$112,055 (+63.13%) Land $29,000 Building $83,055	$560,275 Land $145,000 Building $415,275
2024	$3,606.00 (+1.21%) Homeowner's exemption	$68,690 (-) Land $14,000 Building $54,690
2023	$3,563.00 Homeowner's exemption	$68,690 Land $14,000 Building $54,690	$343,450 Land $70,000 Building $273,450

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

FEMA maps place 2912 Cliff Dr 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

Wildfire risk around 2912 Cliff Dr is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 41% of Arkansas
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 312 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Right Fiber Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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