3933 Phillips Ln, Ratcliff, AR 72951 Property Records

Franklin County property record for 3933 Phillips Ln, Ratcliff, AR 72951

Property Summary

Property Type	Rural Home
Details	2.5 ba · 1,420 sqft · built 1996
Lot Size	9.6 acres (418,176 sqft)
Owner	2 Individual Names on File
Last Sale	$249,799 (May 2023)
Tax Bill	$240 (2025)
Deeds & Mortgages	Aug 2026 Mortgage May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-02949-001`

Property Details

APN / Parcel Number

Primary APN	`001-02949-001`
Alternative APN	`3744`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,420 sqft Living Area
1st Floor Area	1,420 sqft
Flooring	Carpet

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	418,176 sqft (9.6 acres)
Garage Type	Carport
Garage Area	360 sqft
Carport	Carport
Carport Area	360 sqft
Driveway	Concrete Driveway
Driveway Area	60 sqft

Exterior Amenities

Porch	Slab
Porch Area	350 sqft
Patio Area	180 sqft
Utility Building	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3933 PHILLIPS LN
City	RATCLIFF
State	AR
Zip	72951-9188
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	PART OF THE SOUTHEAST QUARTER (SE1/4} OF THE NORTHEAST (NE1/4) OF SECTION 28, TOWNSHIP 8 NORTH, RANGE 27 WEST, FRANKLIN COUNT
Legal Range	27
Legal Township	08
Legal Section	28
Jurisdiction	FRANKLIN AR
Township / Civil Division	WITTICH
Census Block Group	1
Census Block	1107
Census Tract	950301

Owner

3933 Phillips Ln, a rural home, is owned and occupied by two individuals who bought it in May 2023.

Source: Franklin County records, as of August 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3933 PHILLIPS LN, RATCLIFF, AR 72951-9188
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
Aug 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage FARM CREDIT SERVICES WESTERN AR
May 17, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRSTTRUST HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2023 · Amount on File
Deed Sale	May 17, 2023 · Amount on File
Prior Sale	Oct 28, 1994 · Amount on File
Deed Document Number	20231127
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN AR
Recording Date	Aug 5, 2026
Property Address	3933 PHILLIPS LN, RATCLIFF, AR 72951-9188
Document Number	0000002054
Instrument Date	Aug 5, 2026
Instrument	20262054
Transaction Type	Mortgage
Record Updated	Aug 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3302 E NEIGHBORS ST, PARIS, AR 72855-4328

Mortgage

Document Number	0000002054,
Date	Aug 5, 2026
Instrument	20262054

Lender

Name	FARM CREDIT SERVICES WESTERN AR

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.82%
Initial Type	Fixed Rate
Max Rate	-1%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN AR
Recording Date	May 17, 2023
Property Address	3933 PHILLIPS LN, RATCLIFF, AR 72951-9188
Document Number	2023R001127
Instrument Date	May 11, 2023
Instrument	2023R-001127
Transaction Type	Transfer
Record Updated	Jun 6, 2023
Title Company	WISE COUNTY TITLE COMPANY, POPE COUNTY TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$825.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4145 E 139TH AVE, THORNTON, CO 80602-7046

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3933 PHILLIPS LN, RATCLIFF, AR 72951-9188

Mortgage

Document Number	2023R001128
Date	May 17, 2023
Instrument	2023R-001128

Lender

Name	FIRSTTRUST HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 3933 Phillips Ln was $240 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$240.00 Homeowner's exemption	$19,920 Land $1,780 Building $18,140
2023	$344.00 Homeowner's exemption	$19,920 Land $1,780 Building $18,140	$99,600 Land $8,900 Building $90,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3933 Phillips Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 2, 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 3933 Phillips Ln is moderate, ranking above 64% of the US, with a 0.3% annual chance of 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	0.3% 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	RIVERSOUTH RURAL WATER DIST serves 4,275 people · EPA ID AR0000674
Water Source	Purchased surface water from OZARK WATERWORKS
Last State Inspection	Oct 2025
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	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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wave Rural Connect Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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