Sebastian County property record for 3405 Ramsgate Way, Fort Smith, AR 72908
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,257 sqft · built 1984 |
| Lot Size | 0.419 acres (18,252 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $519,000 (Feb 2026) |
| Tax Bill | $3,042 (2026) |
| Deeds & Mortgages | Jun 2020 Mortgage Mar 2024 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12661-1136-00000-00 |
| Primary APN | 12661-1136-00000-00 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,257 sqft Living Area |
| Gross Area | 3,785 sqft |
| 1st Floor Area | 2,245 sqft |
| Upper Floors Area | 1,012 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Fiberglass |
| Lot Area | 18,252 sqft (0.419 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 2,050 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 105 sqft |
| Porch | Open Porch |
| Porch Area | 364 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 90554 |
|---|---|
| Street Address | 3405 RAMSGATE WAY |
| City | FORT SMITH |
| State | AR |
| Zip | 72908-9359 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1136 |
| Legal Range | 32 |
| Legal Township | 07 |
| Legal Section | 15 |
| Legal Subdivision | FIANNA HILLS IX-X-XI |
| Legal Block | 1 |
| Legal Lot Number | 1136 |
| Jurisdiction | SEBASTIAN AR |
| Township / Civil Division | UPPER |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 1311 |
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 | 3405 RAMSGATE WAY, FORT SMITH, AR 72908-9359 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Jun 9, 2020 | Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK |
| Mar 20, 2024 | Deed of Trust, Mortgage · ARM UNITED FCU |
| Feb 20, 2026 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| Jun 3, 2021 | Warranty Deed, Transfer · Conventional Mortgage FIRST FINANCIAL BANK |
| Sep 3, 2020 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 20, 2026 · Amount on Record |
| Deed Sale | Feb 20, 2026 · Amount on Record |
| Prior Sale | Jun 3, 2021 · Amount on Record |
| Deed Document Number | 20263619 |
| Prior Transfer Date | May 13, 2020 |
| Prior Transfer Doc | 2020F20823 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEBASTIAN AR |
| Property Address | 3405 RAMSGATE WAY, FORT SMITH, AR 72908-9359 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2020F12690 |
|---|---|
| Date | Jun 9, 2020 |
| Instrument | 2020F-12690 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 83 Months |
| Due | May 27, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEBASTIAN AR |
| Property Address | 3405 RAMSGATE WAY, FORT SMITH, AR 72908-9359 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2024F05085 |
|---|---|
| Date | Mar 20, 2024 |
| Instrument | 2024F-05085 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT JOSEPH, MI 49085 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 19, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | 10 Years |
| Index | FHLBNY's 5-Year Index |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEBASTIAN AR |
| Recording Date | Feb 20, 2026 |
| Property Address | 3405 RAMSGATE WAY, FORT SMITH, AR 72908-9359 |
| Document Number | 0202603619 |
| Instrument Date | Feb 20, 2026 |
| Instrument | 2026-03619 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,712.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 405 WAGGONER LN, BARLING, AR 72923-3021 |
| Name | Verified Name |
|---|---|
| Address | 3405 RAMSGATE WAY, FORT SMITH, AR 72908-9359 |
| Document Number | 0202603620 |
|---|---|
| Date | Feb 20, 2026 |
| Instrument | 2026-03620 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEBASTIAN AR |
| Recording Date | Jun 3, 2021 |
| Property Address | 3405 RAMSGATE WAY, FORT SMITH, AR 72908-9359 |
| Document Number | 2021F14445 |
| Instrument Date | May 26, 2021 |
| Instrument | 2021F-14445 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Title Company | WACO TITLE COMPANY, WACO TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $993.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1500 S 40TH ST, FORT SMITH, AR 72903-3034 |
| Name | Verified Name |
|---|---|
| Address | 3405 RAMSGATE WAY, FORT SMITH, AR 72908-9359 |
| Document Number | 2021F14446 |
|---|---|
| Date | Jun 3, 2021 |
| Instrument | 2021F-14446 |
| Name | FIRST FINANCIAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SEBASTIAN AR |
| Recording Date | Sep 3, 2020 |
| Property Address | 3405 RAMSGATE WAY, FORT SMITH, AR 72908-9359 |
| Document Number | 2020F20823 |
| Instrument Date | May 13, 2020 |
| Instrument | 2020F-20823 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3504 RANGATE WAY, FORT SMITH, AR 72908 |
Source: Sebastian County assessment roll, as of August 31, 2026
| Type | Name |
|---|---|
| State | Arkansas |
| County | Sebastian County |
| Municipality | Fort Smith City |
| Unified School District | Fort Smith Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,042.00 | $76,346 (-) Land $8,000 Building $68,346 | $381,730 (-) Land $40,000 Building $341,730 |
| 2025 | $3,042.00 (+29.67%) Homeowner's exemption | $76,346 (+49.87%) Land $8,000 Building $68,346 | $381,730 (+49.87%) Land $40,000 Building $341,730 |
| 2023 | $2,346.00 Homeowner's exemption | $50,940 Land $8,000 Building $42,940 | $254,700 Land $40,000 Building $214,700 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 66% of the US · above 93% of Arkansas |
|---|---|
| Wildfire Likelihood | 0.3% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 201 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 35 |
| Wave Rural Connect Fiber | 1,000 / 1,000 |
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