312 E Elm St, Bradford, AR 72020 Property Records

White County property record for 312 E Elm St, Bradford, AR 72020

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,152 sqft · built 1978
Owner	2 Individual Names on Record
Tax Bill	$322 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`005-00145-000`

Property Details

APN / Parcel Number

Primary APN	`005-00145-000`
Alternative APN	`33162`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	1,152 sqft

Exterior

Year Built	Built 1978
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Closed Piers
Roof Type	Gable
Roof Material	Asphalt
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	20 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	312 E ELM ST
City	BRADFORD
State	AR
Zip	72020-9259
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 1/2 LOTS 10,11, & 12
Legal Subdivision	BRADFORD ORIGINAL TOWN
Legal Block	38
Legal Lot Number	10-12
Jurisdiction	WHITE AR
Township / Civil Division	LIBERTY
Census Block Group	3
Census Block	3056
Census Tract	70100

Owner

Source: White County records, as of October 23, 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	312 E ELM ST, BRADFORD, AR 72020-9259
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2025	Deed of Trust, Mortgage · Closed-End Mortgage REGIONS BANK
Feb 28, 2020	Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2000
Deed Sale	Jun 30, 2000
Deed Document Number	2000-006235
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE AR
Property Address	312 E ELM ST, BRADFORD, AR 72020-9259
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 E ELM ST, BRADFORD, AR 72020-9259

Mortgage

Document Number	MORT2025/24689
Date	Sep 10, 2025
Book Page	MORT 2025/24689
Instrument	L202511452

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 1, 2035

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE AR
Property Address	312 E ELM ST, BRADFORD, AR 72020-9259
Transaction Type	Mortgage
Record Updated	Mar 13, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG2020/3947
Date	Feb 28, 2020
Book Page	MTG 2020/3947

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Feb 12, 2027

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Arkansas
Municipality	Bradford City
County	White County
Unified School District	Bradford School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$322.00 (+8.78%) Homeowner's exemption	$10,830 (-) Land $680 Building $10,150
2023	$296.00 Homeowner's exemption	$10,830 Land $680 Building $10,150	$54,150 Land $3,400 Building $50,750

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 June 21, 2016 · 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	9 in force
Nearby Flood Claims	15 (2009–2019)
Claims Outside the SFHA	5 of 15
Most Recent Claim	Feb 2019 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, And Associated Flooding, May 2011 · 6 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 43% of the US · above 48% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BRADFORD WATERWORKS serves 986 people · EPA ID AR0000587
Water Source	Groundwater
Last State Inspection	Nov 2023

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Brightspeed DSL	80 / 10

May also be available: T-Mobile, Verizon.

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