401 S Main St, Searcy, AR 72143 Property Records

White County property record for 401 S Main St, Searcy, AR 72143

Property Summary

Property Type	Bank, Financial Building
Details	12,403 sqft · built 2002
Lot Size	1.61 acres (70,132 sqft)
Owner	2 Company Names on File
Last Sale	$225,000 (Dec 2000)
Tax Bill	$18,524 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Aug 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`016-03541-000`

Property Details

APN / Parcel Number

Primary APN	`016-03541-000`
Alternative APN	`44623`

Interior

Stories	1 Story
Building Area	12,403 sqft Gross Area
1st Floor Area	12,403 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Concrete Block
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Rigid Frame Bar Joist
Roof Material	Metal
Lot Area	70,132 sqft (1.61 acres)
Deck Area	216 sqft
Canopy	2,435 sqft
Pole Barn	11 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Account Number	44623
Street Address	401 S MAIN ST
City	SEARCY
State	AR
Zip	72143-6849
Property Category	Commercial
Property Type	Commercial > Office > Bank, Financial Building
Legal Description	N 192 2 43.16 L 1 & N 192 E 44.42LOT 1 & 2 S SPG PK & S WOODRUFF ST &N 60 S 200 LOT 3
Legal Range	07
Legal Township	07
Legal Section	10
Legal Subdivision	WOODRUFF ADD
Legal Lot Number	1,3
Jurisdiction	WHITE AR
Township / Civil Division	GRAY
Census Block Group	3
Census Block	3022
Census Tract	70901

Owner

401 S Main St, a commercial property, is owned by a company that bought it in December 2000.

Source: White County records, as of October 1, 2025

Owner of Record	2 Company Names on File
Mailing Address	PO BOX 8010, LITTLE ROCK, AR 72203-8010
Owner Type	Company
Vesting	Company

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
Feb 6, 2026	Deed of Trust, Mortgage SIMMONS BANK
Aug 7, 2025	Warranty Deed, Transfer · Non-Conforming Investor Loan SIMMONS BANK
Dec 14, 2022	Deed of Trust, Mortgage · Construction Mortgage SIMMONS BANK
May 10, 2022	Deed of Trust, Mortgage · Commercial Mortgage SIMMONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2000 · Amount on File
Deed Sale	Dec 28, 2000 · Amount on File
Prior Sale	Jun 1, 1985 · Amount on File
Deed Document Number	200011999
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE AR
Property Address	401 S MAIN ST, SEARCY, AR 72143-6849
Transaction Type	Mortgage
Record Updated	Mar 20, 2026
Title Company	CTC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0L20261680
Date	Feb 6, 2026
Instrument	L2026-1680

Lender

Name	SIMMONS BANK
Type	Bank
Address	SEARCY, AR 72143

Agreement

Amount	Amount on Record
Term	36 Months
Due	Feb 10, 2029

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE AR
Recording Date	Aug 7, 2025
Property Address	401 S MAIN ST, SEARCY, AR 72143-6849
Document Number	DEED2025/10571
Book / Page	DEED 2025 / 10571
Instrument Date	Aug 7, 2025
Instrument	L202509914
Transaction Type	Transfer
Record Updated	Oct 24, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$768.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	107 RIVER DRIVE EST, PANGBURN, AR 72121-8805

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1203 RIDGEFIELD CIR, SEARCY, AR 72143-6024

Mortgage

Document Number	L202509915
Date	Aug 7, 2025
Instrument	L202509915

Lender

Name	SIMMONS BANK
Type	Bank

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount on Record
Term	36 Months
Due	Aug 7, 2028

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE AR
Property Address	401 S MAIN ST, SEARCY, AR 72143-6849
Transaction Type	Mortgage
Record Updated	Dec 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG2022/33011
Date	Dec 14, 2022
Book Page	MTG 2022/33011
Instrument	L202217475

Lender

Name	SIMMONS BANK
Type	Bank
Address	SEARCY, AR 72143

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Dec 1, 2023

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE AR
Property Address	401 S MAIN ST, SEARCY, AR 72143-6849
Transaction Type	Mortgage
Record Updated	May 23, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG2022/13038
Date	May 10, 2022
Book Page	MTG 2022/13038
Instrument	L202206852

Lender

Name	SIMMONS BANK
Type	Bank
Address	SEARCY, AR 72143

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 30, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 401 S Main St was $18,524.

Source: White County assessment roll, as of October 1, 2025

Property Jurisdictions

Type	Name
State	Arkansas
County	White County
Municipality	Searcy City
Unified School District	Searcy School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$18,524.00	$456,257 Land $77,144 Building $379,113	$2,281,285 Land $385,720 Building $1,895,565
2023	$19,465.00	$479,450 Land $77,140 Building $402,310	$2,281,285 Land $385,720 Building $1,895,565

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

Flood

FEMA maps place 401 S Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 21, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (2013)
Most Recent Claim	Aug 2013 · rainfall accumulation

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

Wildfire risk around 401 S Main St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Arkansas
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	SEARCY WATERWORKS serves 28,196 people · EPA ID AR0000590
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	1 ppb (2026–2028) 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 279 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Longview Cable Television Company Cable	1,000 / 50

May also be available: Verizon.

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