4221 Bach Rd, Ratcliff, AR 72951 Property Records

Franklin County property record for 4221 Bach Rd, Ratcliff, AR 72951

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,816 sqft · built 2000
Lot Size	1.65 acres (71,874 sqft)
Owner	Individual Name on Record
Tax Bill	$955 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-03071-005`

Property Details

APN / Parcel Number

Primary APN	`001-03071-005`
Alternative APN	`3928`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,816 sqft Living Area
1st Floor Area	2,140 sqft

Exterior

Year Built	Built 2000
Exterior Material	Other
Construction Type	Frame
Foundation Type	Closed Piers
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	71,874 sqft (1.65 acres)
Garage Type	Carport
Garage Area	676 sqft
Carport	Carport
Carport Area	624 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	140 sqft
Deck Area	Deck Area
Patio Area	180 sqft
Utility Building	1,200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4221 BACH RD
City	RATCLIFF
State	AR
Zip	72951-9123
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SW SW 204-365
Legal Range	27
Legal Township	08
Legal Section	34
Jurisdiction	FRANKLIN AR
Township / Civil Division	WITTICH
Census Block Group	1
Census Block	1115
Census Tract	950301

Owner

Source: Franklin 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	4221 BACH RD, RATCLIFF, AR 72951-9123
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2023	Deed of Trust, Mortgage · Line of Credit ARVEST BANK
Jan 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage ARVEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 11, 2008
Transfer Doc	000092/481
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN AR
Property Address	4221 BACH RD, RATCLIFF, AR 72951-9123
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4221 BACH RD, RATCLIFF, AR 72951-9123

Mortgage

Document Number	2023R002022
Date	Aug 28, 2023
Instrument	2023R-002022

Lender

Name	ARVEST BANK
Type	Bank
Address	LOWELL, AR 72745

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Aug 24, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN AR
Property Address	4221 BACH RD, RATCLIFF, AR 72951-9123
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	248/133
Date	Jan 17, 2019
Book Page	248/133

Lender

Name	ARVEST BANK
Type	Bank
Address	FORT SMITH, AR 72903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	59 Months
Due	Dec 15, 2023

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of January 1, 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	$955.00 (-5.07%) Homeowner's exemption	$34,370 (-) Land $2,050 Building $32,320
2023	$1,006.00 Homeowner's exemption	$34,370 Land $2,050 Building $32,320	$171,850 Land $10,250 Building $161,600

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 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

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

Wildfire Risk	Moderate above 61% of the US · above 84% 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	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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wave Rural Connect Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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