438 Cypress Rd, Bradford, AR 72020 Property Records

White County property record for 438 Cypress Rd, Bradford, AR 72020

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,016 sqft · built 2023
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on File
Tax Bill	$1,345 (2025)
Deeds & Mortgages	Nov 2025 Mortgage May 2023 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`001-00528-000`

Property Details

APN / Parcel Number

Primary APN	`001-00528-000`
Alternative APN	`730`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,016 sqft Living Area
Gross Area	2,800 sqft
1st Floor Area	2,016 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable
Roof Material	Aluminum
Lot Area	130,680 sqft (3 acres)
Garage Type	Attached
Garage Area	784 sqft
Porch	Open Porch
Porch Area	620 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	730
Street Address	438 CYPRESS RD
City	BRADFORD
State	AR
Zip	72020-9275
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NE NE
Legal Range	04
Legal Township	09
Legal Section	08
Legal Subdivision	RURAL METES & BOUNDS
Jurisdiction	WHITE AR
Township / Civil Division	LIBERTY
Census Block Group	3
Census Block	3022
Census Tract	70100

Owner

438 Cypress Rd is owned and occupied by an individual who acquired it in May 2023.

Source: White County records, as of November 20, 2025

Owner of Record	Individual Name on File
Mailing Address	438 CYPRESS RD, BRADFORD, AR 72020-9275
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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
Nov 13, 2025	Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN BANK
May 5, 2023	Deed of Trust, Mortgage · Construction Mortgage FIRST COMMUNITY BANK
Jun 26, 2024	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY BANK LEXINGTON
May 2, 2023	Intrafamily Transfer, Transfer
May 2, 2023	Intrafamily Transfer, Transfer · Construction Mortgage FIRST COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 9, 1998
Deed Sale	Oct 9, 1998
Prior Sale	Jun 12, 1998 · Amount on File
Deed Book / Page	585 / 763
Last Transfer Date	May 1, 2023
Transfer Doc	DEED2023/6421
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE AR
Property Address	438 CYPRESS RD, BRADFORD, AR 72020-9275
Transaction Type	Mortgage
Record Updated	Nov 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 CYPRESS RD, BRADFORD, AR 72020-9275

Mortgage

Document Number	MORT2025/32038
Date	Nov 13, 2025
Book Page	MORT 2025/32038
Instrument	L202514560

Lender

Name	SOUTHERN BANK
Type	Bank
Address	BALD KNOB, AR 72010

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE AR
Property Address	438 CYPRESS RD, BRADFORD, AR 72020-9275
Transaction Type	Mortgage
Record Updated	Oct 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 CYPRESS RD, BRADFORD, AR 72020-9275

Mortgage

Document Number	MTG2023/10185
Date	May 5, 2023
Book Page	MTG 2023/10185
Instrument	L202305222

Lender

Name	FIRST COMMUNITY BANK
Type	Bank
Address	BATESVILLE, AR 72503

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 5, 2024

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE AR
Property Address	438 CYPRESS RD, BRADFORD, AR 72020-9275
Transaction Type	Mortgage
Record Updated	Oct 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 CYPRESS RD, BRADFORD, AR 72020-9275

Mortgage

Document Number	MTG2024/15590
Date	Jun 26, 2024
Book Page	MTG 2024/15590
Instrument	L202407772

Lender

Name	FIRST COMMUNITY BANK LEXINGTON
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2054

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WHITE AR
Recording Date	May 2, 2023
Property Address	BRADFORD, AR 72020
Document Number	DEED2023/6421
Book / Page	DEED 2023 / 6421
Instrument Date	May 1, 2023
Instrument	L202304990
Transaction Type	Transfer
Record Updated	Sep 12, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 183, BRADFORD, AR 72020-0183

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WHITE AR
Recording Date	May 2, 2023
Property Address	438 CYPRESS RD, BRADFORD, AR 72020-9275
Document Number	DEED2023/6421
Book / Page	DEED 2023 / 6421
Instrument Date	May 1, 2023
Instrument	L202304990
Transaction Type	Transfer
Record Updated	Oct 27, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 183, BRADFORD, AR 72020-0183

Mortgage

Document Number	L202305222
Date	May 2, 2023
Instrument	L202305222

Lender

Name	FIRST COMMUNITY BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 5, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 438 Cypress Rd was $1,345 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Arkansas
County	White County
Unified School District	Bradford School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,345.00 Homeowner's exemption	$32,736 Land $2,000 Building $30,736	$163,680 Land $10,000 Building $153,680
2023	$82.00	$2,000 Land $2,000	$163,680 Land $10,000 Building $153,680

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

Flood

FEMA maps place 438 Cypress Rd in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 2009.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	15 (2009–2019)
Claims Outside the SFHA	5 of 15
Most Recent Claim	Feb 2019 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, And Associated Flooding, May 2011 · 6 claims

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 438 Cypress Rd is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · above 52% of Arkansas
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Brightspeed DSL	60 / 5

May also be available: T-Mobile.

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