3431 Oak Tree Dr, Centerton, AR 72719 Property Records

Benton County property record for 3431 Oak Tree Dr, Centerton, AR 72719

Property Summary

Property Type	Single Family Home
Details	4 ba · 4,651 sqft · built 2014
Lot Size	1.66 acres (72,310 sqft)
Owner	2 Individual Names on Record
Last Sale	$648,000 (Jul 2017)
Tax Bill	$12,409 (2026)
Deeds & Mortgages	Jul 2020 Mortgage Oct 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-04526-000`

Property Details

APN / Parcel Number

Primary APN	`06-04526-000`
Alternative APNs	`151236.0` `151236`

Interior

Full Baths	4 Baths
Stories	1 Story
Building Area	4,651 sqft Living Area
Gross Area	5,326 sqft
1st Floor Area	2,876 sqft
Upper Floors Area	1,775 sqft
Basement Area	576 sqft
Flooring	Wood

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	72,310 sqft
Garage Type	Attached
Garage Area	675 sqft
Driveway	Concrete Driveway
Driveway Area	2,170 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	105 sqft
Porch	Open Porch
Porch Area	761 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3431 OAK TREE DR
City	CENTERTON
State	AR
Zip	72719-5003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLAT 2007-868-873 10/23/07
Legal Range	31
Legal Township	20
Legal Section	22
Legal Subdivision	OAK TREE-CENTERTON
Legal Lot Number	193
Jurisdiction	BENTON AR
Township / Civil Division	9
Census Block Group	3
Census Block	3033
Census Tract	20806

Owner

Source: Benton County records, as of September 1, 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	3431 OAK TREE DR, CENTERTON, AR 72719-5003
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Oct 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jul 17, 2017	Warranty Deed, Transfer CITY TITLE AND CLOSING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2017 · Amount on Record
Deed Sale	Jul 17, 2017 · Amount on Record
Prior Sale	Jul 2, 2013 · Amount on Record
Deed Book / Page	2017 / 43834
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON AR
Property Address	3431 OAK TREE DR, CENTERTON, AR 72719-5003
Transaction Type	Mortgage
Record Updated	Sep 21, 2022
Title Company	CITYTITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045981
Date	Jul 30, 2020
Instrument	2020045981

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON AR
Property Address	3431 OAK TREE DR, CENTERTON, AR 72719-5003
Transaction Type	Mortgage
Record Updated	Sep 21, 2022
Title Company	CITYTITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055778
Date	Oct 24, 2018
Instrument	2018055778

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON AR
Recording Date	Jul 17, 2017
Property Address	3431 OAK TREE DR, CENTERTON, AR 72719-5003
Document Number	0000D43834
Instrument Date	Jul 13, 2017
Instrument	D43834
Transaction Type	Transfer
Record Updated	Jul 27, 2017
Title Company	CITY TITLE AND CLOSING LLC

Transaction

Amount	Amount Recorded
Tax	$2,138.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3431 OAK TREE DR CENTERTON AR 727195003, CENTERTON, AR 72719-5003

Tax Assessment & Valuation

Source: Benton County assessment roll, as of September 1, 2026

Property Jurisdictions

Type	Name
State	Arkansas
County	Benton County
Municipality	Centerton City
Unified School District	Bentonville Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,409.00 (+9.79%)	$218,554 (-) Land $28,000 Building $190,554	$1,092,770 (-) Land $140,000 Building $952,770
2025	$11,303.00 (+18.79%)	$218,554 (+41.72%) Land $28,000 Building $190,554
2024			$1,092,770 (+41.72%) Land $140,000 Building $952,770
2023	$9,515.00	$154,220 Land $21,200 Building $133,020	$771,100 Land $106,000 Building $665,100

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 September 27, 2026 · 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (2013–2019)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Oct 2019 · river or lake flooding

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 57% of the US · above 75% of Arkansas
Wildfire Likelihood	0.1% 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	CENTERTON WATERWORKS serves 27,243 people · EPA ID AR0000044
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2024
Lead	1 ppb (2023–2025) action level 15 ppb

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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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