315 E Elm St, Bradford, AR 72020 Property Records

White County property record for 315 E Elm St, Bradford, AR 72020

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,004 sqft · built 2011
Lot Size	0.368 acres (16,033 sqft)
Owner	Individual Name on Record
Last Sale	$181,000 (Sep 2019)
Tax Bill	$1,015 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`005-00138-000`

Property Details

APN / Parcel Number

Primary APN	`005-00138-000`
Alternative APN	`33155`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,004 sqft Living Area
1st Floor Area	2,004 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Fiberglass
Lot Area	16,033 sqft (0.368 acres)
Garage Type	Detached
Garage Area	840 sqft
Driveway	Concrete Driveway
Driveway Area	1,260 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Open Porch
Porch Area	441 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	33155
Street Address	315 E ELM ST
City	BRADFORD
State	AR
Zip	72020-9259
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	---
Legal Range	04
Legal Township	09
Legal Section	08
Legal Subdivision	BRADFORD ORIGINAL TOWN
Legal Block	37
Legal Lot Number	7&8
Jurisdiction	WHITE AR
Township / Civil Division	LIBERTY
Census Block Group	3
Census Block	3066
Census Tract	70100

Owner

Source: White County records, as of August 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	315 E ELM ST, BRADFORD, AR 72020-9259
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2019	Warranty Deed, Transfer · VA Mortgage BANK OF ENGLAND
May 29, 2018	Deed of Trust, Mortgage · Conventional Mortgage ARKANSAS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 13, 2019 · Amount on Record
Deed Sale	Sep 13, 2019 · Amount on Record
Prior Sale	Jul 2, 2010 · Amount on Record
Deed Book / Page	2019 / 12551
Record Updated	Sep 20, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE AR
Recording Date	Sep 13, 2019
Property Address	315 E ELM ST, BRADFORD, AR 72020-9259
Document Number	DEED2019/12551
Book / Page	DEED 2019 / 12551
Instrument Date	Sep 13, 2019
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	WHITE COUNTY TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$597.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 463, BRADFORD, AR 72020-0463

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 E ELM ST, BRADFORD, AR 72020-9259

Mortgage

Document Number	MTG201917610
Date	Sep 13, 2019
Instrument	MTG 2019/17610

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE AR
Property Address	315 E ELM ST, BRADFORD, AR 72020-9259
Transaction Type	Mortgage
Record Updated	Jun 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG2018/10179
Date	May 29, 2018
Book Page	MTG 2018/10179

Lender

Name	ARKANSAS FCU
Type	Credit Union
Address	JACKSONVILLE, AR 72078

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2038

Tax Assessment & Valuation

Source: White County assessment roll, as of October 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	$1,015.00 (+15.34%)	$33,390 (-) Land $680 Building $32,710	$166,950 (-) Land $3,400 Building $163,550
2023	$880.00	$33,390 Land $680 Building $32,710	$166,950 Land $3,400 Building $163,550

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

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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