312 N 43rd St, Fort Smith, AR 72903 Property Records

Sebastian County property record for 312 N 43rd St, Fort Smith, AR 72903

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,190 sqft · built 1950
Lot Size	0.225 acres (9,801 sqft)
Owner	2 Individual Names on Record
Last Sale	$128,000 (Aug 2022)
Tax Bill	$586 (2026)
Deeds & Mortgages	May 2025 Construction Loan Aug 2022 Sale & Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15677-0028-00000-00`

Property Details

APN / Parcel Number

Primary APN	`15677-0028-00000-00`
Alternative APN	`39761`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,190 sqft Living Area
Gross Area	1,454 sqft
1st Floor Area	1,190 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Frame
Roof Type	Gable
Roof Material	Fiberglass
Lot Area	9,801 sqft (0.225 acres)
Lot Dimensions	132 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	264 sqft
Driveway	Concrete Driveway
Driveway Area	960 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	92 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	39761
Street Address	312 N 43RD ST
City	FORT SMITH
State	AR
Zip	72903-2304
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	27 & N/2 LT 28
Legal Range	32
Legal Township	08
Legal Section	14
Legal Subdivision	OAKLAND
Legal Block	5
Legal Lot Number	28
Jurisdiction	SEBASTIAN AR
Township / Civil Division	UPPER
Census Block Group	5
Census Block	5009
Census Tract	700

Owner

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

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 N 43RD ST, FORT SMITH, AR 72903-2304
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 15, 2025	Deed of Trust, Mortgage · Construction Mortgage FARMERS BANK
Aug 9, 2022	Warranty Deed, Transfer · Line of Credit FARMERS BANK
Oct 8, 2020	Warranty Deed, Transfer · Conventional Mortgage ARVEST BANK
Feb 15, 2019	Redemption Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2022 · Amount on Record
Deed Sale	Aug 9, 2022 · Amount on Record
Prior Sale	Oct 8, 2020 · Amount on Record
Deed Document Number	202219282
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEBASTIAN AR
Property Address	312 N 43RD ST, FORT SMITH, AR 72903-2304
Transaction Type	Mortgage
Record Updated	Dec 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 N 43RD ST, FORT SMITH, AR 72903-2304

Mortgage

Document Number	0202508948
Date	May 15, 2025
Instrument	2025-08948

Lender

Name	FARMERS BANK
Type	Bank
Address	GREENWOOD, AR 72936

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 5, 2045

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEBASTIAN AR
Recording Date	Aug 9, 2022
Property Address	312 N 43RD ST, FORT SMITH, AR 72903-2304
Document Number	2022F19282
Instrument Date	Aug 8, 2022
Instrument	2022F-19282
Transaction Type	Transfer
Record Updated	Dec 1, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$422.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	312 N 43RD ST, FORT SMITH, AR 72903-2304

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	312 N 43RD ST, FORT SMITH, AR 72903-2304

Mortgage

Document Number	2022F19283
Date	Aug 9, 2022
Instrument	2022F-19283

Lender

Name	FARMERS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2052

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEBASTIAN AR
Recording Date	Oct 8, 2020
Property Address	312 N 43RD ST, FORT SMITH, AR 72903-2304
Document Number	2020F24489
Instrument Date	Sep 25, 2020
Instrument	2020F-24489
Transaction Type	Transfer
Record Updated	Dec 1, 2025
Title Company	PCI DURHAM TITLE, PCI DURNAM TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$297.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	312 N 43RD ST, FORT SMITH, AR 72903-2304

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 N 43RD ST, FORT SMITH, AR 72903-2304

Mortgage

Document Number	2020F24490
Date	Oct 8, 2020
Instrument	2020F-24490

Lender

Name	ARVEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

February 2019: Redemption Deed, Transfer

Document Type	Redemption Deed
Jurisdiction	SEBASTIAN AR
Recording Date	Feb 15, 2019
Property Address	312 N 43RD ST, FORT SMITH, AR 72903-2304
Document Number	2019F03125
Instrument Date	Feb 8, 2019
Instrument	2019F-03125
Transaction Type	Transfer
Record Updated	Dec 1, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Redemption Amount

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	359 WILSON ST, NORTH LITTLE ROCK, AR 72118-2850
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$586.00 Homeowner's exemption	$18,057 (-) Land $3,000 Building $15,057	$90,285 (-) Land $15,000 Building $75,285
2025	$586.00 (+263.98%) Homeowner's exemption	$18,057 (+78.78%) Land $3,000 Building $15,057	$90,285 (+78.78%) Land $15,000 Building $75,285
2023	$161.00 Homeowner's exemption	$10,100 Land $2,000 Building $8,100	$50,500 Land $10,000 Building $40,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 Claims	3 (1982–1985)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Feb 1985 · tidal / storm surge

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	Low lower than 66% of the US · lower than 71% of Arkansas
Wildfire Likelihood	0.04% 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	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 192 locations within half a mile, as of December 31, 2025

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

May also be available: Dobson Fiber, T-Mobile.

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