446 Forest Ridge Rd, Royal, AR 71968 Property Records

Garland County property record for 446 Forest Ridge Rd, Royal, AR 71968

Property Summary

Property Type	Single Family Home
Details	1 ba · 579 sqft · built 2012
Lot Size	8.43 acres (367,211 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Feb 2003)
Tax Bill	$3,672 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Jan 2018 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`100-19073-000`

Property Details

APN / Parcel Number

Primary APN	`100-19073-000`
Alternative APNs	`1080064.0` `93589`

Interior

Full Baths	1 Bath
Half Baths	1 Half Bath
Stories	1 Story
Building Area	579 sqft Living Area
1st Floor Area	579 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	367,211 sqft (8.43 acres)
Garage Type	Attached
Garage Area	891 sqft

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	909 sqft
Deck Area	335 sqft
Patio Area	949 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	446 FOREST RIDGE RD
City	ROYAL
State	AR
Zip	71968-9327
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SE NW
Legal Range	21W
Legal Township	03S
Legal Section	09
Legal Subdivision	09-3S-21
Jurisdiction	GARLAND AR
Township / Civil Division	HALE
Census Block Group	3
Census Block	3023
Census Tract	11102

Owner

Source: Garland County records, as of October 16, 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
Mailing Address	446 FOREST RIDGE RD, ROYAL, AR 71968-9327
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2023	Deed of Trust, Mortgage · Conventional Mortgage ARKANSAS FCU
Jan 22, 2018	Deed of Trust, Mortgage · Line of Credit DIAMOND BANK
Sep 17, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Jul 9, 2019	Loan Modification, Mortgage · Line of Credit DIAMOND BK
Jan 9, 2019	Loan Modification, Mortgage DIAMOND BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 14, 2003 · Amount on Record
Deed Sale	Feb 14, 2003 · Amount on Record
Deed Book / Page	2234 / 68
Last Transfer Date	May 18, 2020
Transfer Doc	0041810176
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARLAND AR
Property Address	446 FOREST RIDGE RD, ROYAL, AR 71968-9327
Transaction Type	Mortgage
Record Updated	Mar 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 FOREST RIDGE RD, ROYAL, AR 71968-9327

Mortgage

Document Number	0045320237
Date	Mar 2, 2023
Book Page	4532/237

Lender

Name	ARKANSAS FCU
Type	Credit Union
Address	LITTLE ROCK, AR 72223

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARLAND AR
Property Address	446 FOREST RIDGE RD, ROYAL, AR 71968-9327
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039150590
Date	Jan 22, 2018
Book Page	3915/0590

Lender

Name	DIAMOND BANK
Type	Bank
Address	HOT SPRINGS NATIONAL PARK, AR 71913

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	11 Months
Due	Dec 22, 2018

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARLAND AR
Property Address	446 FOREST RIDGE RD, ROYAL, AR 71968-9327
Document Number	0040890671
Instrument Date	Sep 17, 2019
Transaction Type	Mortgage
Record Updated	Oct 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 FOREST RIDGE RD ROYAL AR 719689327, ROYAL, AR 71968-9327

Mortgage

Document Number	0040890671
Date	Sep 26, 2019
Book Page	004089/000671

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2049

Interest

Rate Type	Adjustable Rate

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	GARLAND AR
Property Address	446 FOREST RIDGE RD, ROYAL, AR 71968-9327
Document Number	0040700641
Instrument Date	Jul 9, 2019
Transaction Type	Mortgage
Record Updated	Aug 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	446 FOREST RIDGE RD ROYAL AR 719689327, ROYAL, AR 71968-9327

Mortgage

Document Number	0040700641
Date	Jul 29, 2019
Book Page	004070/000641

Lender

Name	DIAMOND BK
Type	Bank
Address	HOT SPRINGS, AR 71913

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jul 28, 2020

Interest

Rate Type	Adjustable Rate

January 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	GARLAND AR
Property Address	446 FOREST RIDGE RD, ROYAL, AR 71968-9327
Document Number	0040170144
Instrument Date	Jan 9, 2019
Transaction Type	Mortgage
Record Updated	Jan 31, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	446 FOREST RIDGE RD ROYAL AR 719689327, ROYAL, AR 71968-9327

Mortgage

Document Number	0040170144
Date	Jan 17, 2019
Book Page	004017/000144

Lender

Name	DIAMOND BK
Type	Bank
Address	HOT SPRINGS, AR 71913

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jan 16, 2020

Tax Assessment & Valuation

Source: Garland County assessment roll, as of October 16, 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	$3,672.00 (+8.29%) Homeowner's exemption	$115,590 (-) Land $14,540 Building $101,050
2023	$3,391.00 Homeowner's exemption	$115,590 Land $14,540 Building $101,050	$577,950 Land $72,700 Building $505,250

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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 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 51% of the US · above 64% of Arkansas
Wildfire Likelihood	0.1% 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
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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Longview Cable Television Company Fiber	1,000 / 1,000

May also be available: Wireless ETC.

Cell Coverage

5G (outdoors only) and 4G LTE

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