405 Emerald St, Lowell, AR 72745 Property Records

Benton County property record for 405 Emerald St, Lowell, AR 72745

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,440 sqft · built 2003
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$120,000 (Jun 2020)
Tax Bill	$2,340 (2026)
Deeds & Mortgages	Jun 2023 Line of Credit Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-02245-000`

Property Details

APN / Parcel Number

Primary APN	`12-02245-000`
Alternative APNs	`44842.0` `44842`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,440 sqft Living Area
Gross Area	1,820 sqft
1st Floor Area	1,440 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	14,375 sqft (0.33 acres)
Garage Type	Attached
Garage Area	380 sqft
Driveway	Concrete Driveway
Driveway Area	576 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	70 sqft
Deck Area	141 sqft
Patio Area	141 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	405 EMERALD ST
City	LOWELL
State	AR
Zip	72745-8853
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	30
Legal Township	18
Legal Section	12
Legal Subdivision	SOUTHFORK SUB PH IIIA-LOWELL
Legal Lot Number	219
Jurisdiction	BENTON AR
Township / Civil Division	3
Census Block Group	3
Census Block	3006
Census Tract	21406

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	405 EMERALD ST, LOWELL, AR 72745-8853
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2023	Deed of Trust, Mortgage · Line of Credit ARVEST BANK
Jun 11, 2020	Warranty Deed, Transfer FARMERS & MERCHANTS NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2020 · Amount on Record
Deed Sale	Jun 11, 2020 · Amount on Record
Prior Sale	Oct 7, 2016 · Amount on Record
Deed Document Number	202033863
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON AR
Property Address	405 EMERALD ST, LOWELL, AR 72745-8853
Transaction Type	Mortgage
Record Updated	Jul 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 EMERALD ST, LOWELL, AR 72745-8853

Mortgage

Document Number	L202330772
Date	Jun 20, 2023
Instrument	L202330772

Lender

Name	ARVEST BANK
Type	Bank
Address	LOWELL, AR 72745

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 20, 2048

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON AR
Recording Date	Jun 11, 2020
Property Address	405 EMERALD ST, LOWELL, AR 72745-8853
Document Number	0000033863
Instrument Date	Jun 4, 2020
Instrument	33863
Transaction Type	Transfer
Record Updated	Aug 12, 2020
Title Company	NATURAL STATE TITLE, NATURAL ST TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$396.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 EMERALD ST LOWELL AR 727458853, LOWELL, AR 72745-8853

Mortgage

Document Number	33864
Date	Jun 11, 2020
Instrument	33864

Lender

Name	FARMERS & MERCHANTS NAT'L BK
Type	Bank
Address	STUTTGART, AR 72160

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jun 10, 2025

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,340.00 (+5.41%)	$53,740 (-) Land $15,200 Building $38,540	$268,700 (-) Land $76,000 Building $192,700
2025	$2,220.00 (+18.78%) Homeowner's exemption	$53,740 (+52.93%) Land $15,200 Building $38,540
2024			$268,700 (+52.93%) Land $76,000 Building $192,700
2023	$1,869.00 Homeowner's exemption	$35,140 Land $7,200 Building $27,940	$175,700 Land $36,000 Building $139,700

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	May 2022 · other causes

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	Not rated no burnable land within 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	SPRINGDALE WATER UTILITIES serves 100,795 people · EPA ID AR0000575
Water Source	Purchased surface water from BEAVER WATER DISTRICT
Last State Inspection	Nov 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 124 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Right Fiber Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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