37 White Oak Cir, Highland (Hardy), AR 72542 Property Records

Sharp County property record for 37 White Oak Cir, Highland, AR 72542

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,410 sqft · built 1993
Lot Size	179 acres (7,810,308 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,385 (2026)
Deeds & Mortgages	Oct 2022 Line of Credit Sep 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`169-00028-000`

Property Details

APN / Parcel Number

Primary APN	`169-00028-000`
Alternative APN	`17073`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	3,410 sqft Living Area
1st Floor Area	2,225 sqft
Upper Floors Area	1,185 sqft
Flooring	Tile

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Other
Construction Type	Frame
Foundation Type	Closed Piers
Roof Type	Gable
Roof Material	Fiberglass
Lot Area	7,810,308 sqft (179 acres)
Garage Type	Detached
Garage Area	1,200 sqft

Exterior Amenities

Porch	Slab
Porch Area	132 sqft
Deck Area	264 sqft
Patio Area	360 sqft
Utility Building	1,200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	37 WHITE OAK CIR
City	HIGHLAND
State	AR
Zip	72542-9171
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	27, WHITE OAK ESTATES
Legal Range	05
Legal Township	19
Legal Section	31
Legal Subdivision	WHITE OAK ESTATES
Legal Lot Number	27
Jurisdiction	SHARP AR
Township / Civil Division	HIGHLAND
Census Block Group	1
Census Block	1002
Census Tract	470300

Owner

37 White Oak Cir is owned and occupied by two individuals.

Source: Sharp County records, as of October 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	37 WHITE OAK CIR, HIGHLAND, AR 72542-9171
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2022	Deed of Trust, Mortgage · Line of Credit CENTENNIAL BANK
Sep 25, 2019	Deed of Trust, Mortgage · Line of Credit CENTENNIAL BANK
Jul 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHARP AR
Property Address	37 WHITE OAK CIR, HIGHLAND, AR 72542-9171
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 WHITE OAK CIR, HIGHLAND, AR 72542-9171

Mortgage

Document Number	2022/24921
Date	Oct 14, 2022
Book Page	2022/24921
Instrument	2207770

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	MOUNTAIN HOME, AR 72653

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	156 Months
Due	Oct 11, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHARP AR
Property Address	37 WHITE OAK CIR, HIGHLAND, AR 72542-9171
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/14767
Date	Sep 25, 2019
Book Page	2019/14767
Instrument	1903771

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	HARDY, AR 72542

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHARP AR
Property Address	37 WHITE OAK CIR, HIGHLAND, AR 72542-9171
Transaction Type	Mortgage
Record Updated	Aug 21, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/12063
Date	Jul 31, 2020
Book Page	2020/12063
Instrument	2003067

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 37 White Oak Cir was $1,385 with a homeowner's exemption, up 91.6% from the year before.

Source: Sharp County assessment roll, as of October 15, 2026

Property Jurisdictions

Type	Name
State	Arkansas
County	Sharp County
Municipality	Highland City
Unified School District	Highland School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,385.00 (+91.56%) Homeowner's exemption	$52,670 (-) Land $1,000 Building $51,670
2025	$723.00 Homeowner's exemption	$52,670 Land $1,000 Building $51,670
2023	$1,210.00 Homeowner's exemption	$52,670 Land $1,000 Building $51,670	$263,350 Land $5,000 Building $258,350

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 37 White Oak Cir in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 16, 2011

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.

Wildfire

Wildfire risk around 37 White Oak Cir is moderate, ranking above 43% of the US, with a 0.07% annual chance of 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	0.07% 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	HIGHLAND WATER ASSOCIATION serves 2,390 people · EPA ID AR0000672
Water Source	Groundwater
Last State Inspection	Sep 2023

Violations Reported to EPA

Water Quality	None last 10 years
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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
NEXT, Powered by NAEC Fiber	1,000 / 1,000
Sparklight Cable	1,000 / 50
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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