44 White Oak Cir, Highland (Hardy), AR 72542 Property Records

Sharp County property record for 44 White Oak Cir, Highland, AR 72542

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,176 sqft · built 1988
Lot Size	0.47 acres (20,470 sqft)
Owner	2 Individual Names on File
Last Sale	$60,000 (Jan 2023)
Tax Bill	$382 (2026)
Deeds & Mortgages	Apr 2017 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`169-00008-000`

Property Details

APN / Parcel Number

Primary APN	`169-00008-000`
Alternative APN	`17053`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,176 sqft Living Area
1st Floor Area	1,176 sqft
Flooring	Tile
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Other
Construction Type	Frame
Foundation Type	Closed Piers
Roof Type	Gable
Roof Material	Fiberglass
Lot Area	20,470 sqft (0.47 acres)
Lot Dimensions	178 ft deep x 115 ft wide
Garage Type	Carport
Garage Area	280 sqft
Carport	Carport
Carport Area	280 sqft
Driveway	Asphalt Driveway
Driveway Area	196 sqft

Exterior Amenities

Porch	Slab
Porch Area	108 sqft
Deck Area	160 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	44 WHITE OAK CIR
City	HIGHLAND
State	AR
Zip	72542-9172
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	8, WHITE OAK ESTATES
Legal Range	05
Legal Township	19
Legal Section	31
Legal Subdivision	WHITE OAK ESTATES
Legal Lot Number	8
Jurisdiction	SHARP AR
Township / Civil Division	HIGHLAND
Census Block Group	1
Census Block	1001
Census Tract	470300

Owner

44 White Oak Cir is owned by two individuals who bought it in January 2023.

Source: Sharp County records, as of October 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	37 WHITE OAK CIR, HIGHLAND, AR 72542-9171
Owner Type	Individual

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
Apr 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY BANK
Jul 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK
Jul 19, 2019	Warranty Deed, Transfer · Line of Credit FIRST COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 18, 2023 · Amount on File
Deed Sale	Jan 18, 2023 · Amount on File
Prior Sale	Jul 19, 2019 · Amount on File
Deed Document Number	2023501
Deed Book / Page	2023 / 1356
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHARP AR
Property Address	44 WHITE OAK CIR, HIGHLAND, AR 72542-9172
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/06279
Date	Apr 10, 2017
Book Page	2017/06279
Instrument	1706279

Lender

Name	FIRST COMMUNITY BANK
Type	Bank
Address	BATESVILLE, AR 72503

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 10, 2037

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHARP AR
Property Address	44 WHITE OAK CIR, HIGHLAND, AR 72542-9172
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/11735
Date	Jul 28, 2020
Book Page	2020/11735
Instrument	2002989

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHARP AR
Recording Date	Jul 19, 2019
Property Address	44 WHITE OAK CIR, HIGHLAND, AR 72542-9172
Document Number	2019/10571
Book / Page	2019 / 10571
Instrument Date	Jul 18, 2019
Instrument	1902708
Transaction Type	Transfer
Record Updated	Oct 12, 2021
Title Company	HOMESTEAD ABSTRACT & TTL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$155.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	115 ARKANSAW TRAVELLER RD, 115, HARDY, AR 72542-8001

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	37 WHITE OAK CIR, HIGHLAND, AR 72542-9171

Mortgage

Document Number	1902789
Date	Jul 19, 2019
Instrument	1902789

Lender

Name	FIRST COMMUNITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 44 White Oak Cir was $382, up 9.1% from the year before.

Source: Sharp County assessment roll, as of October 15, 2026

Property Jurisdictions

Type	Name
State	Arkansas
County	Sharp County
Municipality	Highland City
Unified School District	Highland School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$382.00 (+9.14%)	$19,870 (-) Land $1,000 Building $18,870
2025	$350.00	$19,870 Land $1,000 Building $18,870
2023	$294.00	$19,870 Land $1,000 Building $18,870	$99,350 Land $5,000 Building $94,350

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

FEMA maps place 44 White Oak Cir in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 16, 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

Wildfire risk around 44 White Oak Cir is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · above 48% of Arkansas
Wildfire Likelihood	0.07% 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	HIGHLAND WATER ASSOCIATION serves 2,390 people · EPA ID AR0000672
Water Source	Groundwater
Last State Inspection	Sep 2023

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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
NEXT, Powered by NAEC Fiber	1,000 / 1,000
Sparklight Cable	1,000 / 50
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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