408 Ford Rd, Royal, AR 71968 Property Records

Garland County property record for 408 Ford Rd, Royal, AR 71968

Property Summary

Property Type	Rural Home
Details	2 ba · 1,050 sqft
Lot Size	20 acres (871,200 sqft)
Owner	Individual Name on Record
Tax Bill	$862 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jun 2024 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`100-19605-000`

Property Details

APN / Parcel Number

Primary APN	`100-19605-000`
Alternative APNs	`1041432.0` `113150`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,050 sqft Living Area
1st Floor Area	1,050 sqft
Flooring	Hardwood

Exterior

Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Metal
Lot Area	871,200 sqft (20 acres)
Garage Type	Mixed
Carport	Carport
Carport Area	270 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Fence	Fence
Utility Building	270 sqft

Location & Zoning

Account Number	1041432.0
Street Address	408 FORD RD
City	ROYAL
State	AR
Zip	71968-9767
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	PT NW SE
Legal Range	21W
Legal Township	03S
Legal Section	17
Jurisdiction	GARLAND AR
Township / Civil Division	HALE
Census Block Group	1
Census Block	1010
Census Tract	11102

Owner

Source: Garland County records, as of October 15, 2025

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
Co-owner	Co-owner on Record
Mailing Address	408 FORD RD, ROYAL, AR 71968-9767
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2026	Deed of Trust, Mortgage · Commercial Mortgage SOUTHERN BANCORP BANK
Jun 4, 2024	Warranty Deed, Transfer LENDERS TITLE COMPANY
Jan 4, 2019	Deed of Trust, Mortgage DIAMOND BK
Sep 7, 2018	Deed of Trust, Mortgage DIAMOND BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Prior Sale	May 30, 2017 · Amount on Record
Last Transfer Date	Jun 4, 2024
Transfer Doc	0046560268
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARLAND AR
Property Address	408 FORD RD, ROYAL, AR 71968-9767
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 FORD RD, ROYAL, AR 71968-9767

Mortgage

Document Number	0048400123
Date	Feb 3, 2026
Book Page	4840/123

Lender

Name	SOUTHERN BANCORP BANK
Type	Bank
Address	ARKADELPHIA, AR 71923

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 5, 2036

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GARLAND AR
Recording Date	Jun 4, 2024
Property Address	408 FORD RD, ROYAL, AR 71968-9767
Document Number	0046560268
Book / Page	4656 / 268
Instrument Date	May 24, 2024
Transaction Type	Transfer
Record Updated	Oct 16, 2025
Title Company	LENDERS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	349 WOODLAWN AVE, HOT SPRINGS NATIONAL PARK, AR 71913-4354

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 FORD RD, ROYAL, AR 71968-9767

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARLAND AR
Property Address	408 FORD RD, ROYAL, AR 71968-9767
Document Number	0040140739
Instrument Date	Jan 4, 2019
Transaction Type	Mortgage
Record Updated	Jan 24, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 FORD RD ROYAL AR 719689767, ROYAL, AR 71968-9767

Mortgage

Document Number	0040140739
Date	Jan 7, 2019
Book Page	004014/000739

Lender

Name	DIAMOND BK
Type	Bank
Address	GLENWOOD, AR 71943

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jan 6, 2034

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARLAND AR
Property Address	408 FORD RD, ROYAL, AR 71968-9767
Document Number	0039820218
Instrument Date	Sep 7, 2018
Transaction Type	Mortgage
Record Updated	Sep 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 FORD RD ROYAL AR 719689767, ROYAL, AR 71968-9767

Mortgage

Document Number	0039820218
Date	Sep 10, 2018
Book Page	003982/000218

Lender

Name	DIAMOND BK
Type	Bank
Address	GLENWOOD, AR 71943

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Sep 9, 2028

Tax Assessment & Valuation

Source: Garland County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Arkansas
County	Garland County
Unified School District	Lake Hamilton School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$862.00 (+2,110.26%) Homeowner's exemption	$32,950 (+3,561.11%) Land $5,640 Building $27,310
2023	$39.00	$900 Land $670 Building $230	$164,750 Land $28,200 Building $136,550

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 20, 2022 · 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
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	16 in force

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 61% of the US · above 85% of Arkansas
Wildfire Likelihood	0.2% 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	HOT SPRINGS UTILITIES serves 75,343 people · EPA ID AR0000209
Water Source	Surface water
Last State Inspection	Aug 2024
Also Mapped Here	KIMZEY REGIONAL WATER DISTRICT
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2019
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)
Longview Cable Television Company Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Wireless ETC.

Cell Coverage

5G (outdoors only) and 4G LTE

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