3924 Low Gap Rd, Ozark, AR 72949 Property Records

Franklin County property record for 3924 Low Gap Rd, Ozark, AR 72949

Property Summary

Property Type	Rural Home
Details	1 ba · 1,820 sqft
Lot Size	9.78 acres (426,017 sqft)
Owner	Individual Name on Record
Last Sale	$69,000 (Jul 2015)
Tax Bill	$631 (2025)
Deeds & Mortgages	Oct 2026 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-01963-000`

Property Details

APN / Parcel Number

Primary APN	`001-01963-000`
Alternative APN	`2463`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,820 sqft Living Area
1st Floor Area	1,820 sqft
Flooring	Carpet

Exterior

Exterior Material	Other
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Metal
Lot Area	426,017 sqft (9.78 acres)
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft

Exterior Amenities

Porch	Slab
Porch Area	836 sqft
Shed	1 Shed
Shed Area	280 sqft
Utility Building	600 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3924 LOW GAP RD
City	OZARK
State	AR
Zip	72949-9524
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	PT SE SW
Legal Range	26
Legal Township	11
Legal Section	31
Legal Subdivision	SE/4 SW/4 S31 T11N R26W
Jurisdiction	FRANKLIN AR
Township / Civil Division	WATALULA
Census Block Group	1
Census Block	1131
Census Tract	950100

Owner

Source: Franklin County records, as of October 20, 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	3924 LOW GAP RD, OZARK, AR 72949-9524
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2026	Deed of Trust, Mortgage · VA Mortgage ARVEST BANK
Apr 21, 2021	Deed of Trust, Mortgage · FHA Mortgage ARVEST BANK
Oct 21, 2020	Deed of Trust, Mortgage · Line of Credit ARVEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2015 · Amount on Record
Deed Sale	Jul 13, 2015 · Amount on Record
Prior Sale	Jul 9, 2012
Deed Book / Page	194 / 476
Transfer Doc	0212000275
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN AR
Recording Date	Oct 9, 2026
Property Address	3924 LOW GAP RD, OZARK, AR 72949-9524
Document Number	0000002803
Instrument Date	Oct 2, 2026
Instrument	20262803
Transaction Type	Mortgage
Record Updated	Oct 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3924 LOW GAP RD, OZARK, AR 72949-9524

Mortgage

Document Number	0000002803,
Date	Oct 9, 2026
Instrument	20262803

Lender

Name	ARVEST BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN AR
Property Address	3924 LOW GAP RD, OZARK, AR 72949-9524
Transaction Type	Mortgage
Record Updated	May 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R001043
Date	Apr 21, 2021
Instrument	2021R-001043

Lender

Name	ARVEST BANK
Type	Bank
Address	LOWELL, AR 72745

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN AR
Property Address	3924 LOW GAP RD, OZARK, AR 72949-9524
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3924 LOW GAP RD, OZARK, AR 72949-9524

Mortgage

Document Number	2020R002657
Date	Oct 21, 2020
Instrument	2020R-002657

Lender

Name	ARVEST BANK
Type	Bank
Address	CLARKSVILLE, AR 72830

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Sep 30, 2021

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of October 16, 2025

Property Jurisdictions

Type	Name
State	Arkansas
County	Franklin County
Unified School District	Ozark School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$631.00 (+1,477.5%)	$13,190 (-) Land $1,830 Building $11,360
2023	$40.00	$13,190 Land $1,830 Building $11,360	$65,950 Land $9,150 Building $56,800

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 August 2, 2011 · 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	2 in force
Nearby Flood Claims	10 (2000–2016)
Claims Outside the SFHA	7 of 10
Most Recent Claim	May 2016 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Oct 2009 · 4 claims Sever Storms, Flooding And Landslides, Apr 2004 · 3 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 64% of the US · above 89% of Arkansas
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	WATALULA WATER ASS0CIATION serves 2,278 people · EPA ID AR0000606
Water Source	Purchased surface water from OZARK WATERWORKS
Last State Inspection	Jun 2025

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

Provider	Max Down / Up (Mbps)
Wave Rural Connect Fiber	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

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