Independence County property record for 45 Cherry St, Locust Grove, AR 72550
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,920 sqft |
| Lot Size | 0.92 acres (40,075 sqft) |
| Owner | Individual Name on File |
| Last Sale | $85,000 (Feb 2025) |
| Tax Bill | $683 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage Feb 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 2020.0 |
| Primary APN | 2020.0 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,920 sqft Living Area |
| 1st Floor Area | 1,920 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Brick |
|---|---|
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 40,075 sqft (0.92 acres) |
| Garage Type | Mixed |
| Garage Area | 512 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 112 sqft |
| Patio Area | 120 sqft |
| Lean-To | 160 sqft |
| Utility Building | 480 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 45 CHERRY ST |
|---|---|
| City | LOCUST GROVE |
| State | AR |
| Zip | 72550-9008 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | A TRACT OF LAND BEING PART OF THE SE1/4 OF THE NE1/4 OF SECTION 27, TOWNSHIP 13 NORTH, RANGE 7 WEST OF THE 5TH PRINCIPAL MERI |
| Legal Range | 07 |
| Legal Township | 13 |
| Legal Section | 27 |
| Legal Subdivision | S27 T13 R07 |
| Jurisdiction | INDEPENDENCE AR |
| Township / Civil Division | GREENBRIER |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 490701 |
45 Cherry St is owned and occupied by an individual who bought it in February 2025.
Source: Independence County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 45 CHERRY ST, LOCUST GROVE, AR 72550-9008 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Apr 17, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ARKANSAS FEDERAL CREDIT UNION |
| Feb 20, 2025 | Deed of Trust, Mortgage · Line of Credit THE CITIZENS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 20, 2025 · Amount on File |
| Deed Sale | Feb 20, 2025 · Amount on File |
| Prior Sale | Feb 20, 2025 · Amount on File |
| Deed Document Number | 2025919 |
| Deed Book / Page | 2025 / 1063 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDEPENDENCE AR |
| Recording Date | Apr 17, 2026 |
| Property Address | 45 CHERRY ST, LOCUST GROVE, AR 72550-9008 |
| Document Number | 0000002193 |
| Book / Page | 2026 / 6561 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 20262193 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 45 CHERRY ST, LOCUST GROVE, AR 72550-9008 |
| Document Number | 0000002193, |
|---|---|
| Date | Apr 17, 2026 |
| Book Page | 2026/6561 |
| Instrument | 20262193 |
| Name | ARKANSAS FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INDEPENDENCE AR |
| Property Address | 45 CHERRY ST, LOCUST GROVE, AR 72550-9008 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|---|
| Address | 280 COLLEGE HEIGHTS DR, BATESVILLE, AR 72501-5009 |
| Document Number | DT2025/2318 |
|---|---|
| Date | Feb 20, 2025 |
| Book Page | DT 2025/2318 |
| Instrument | L202500920 |
| Name | THE CITIZENS BANK |
|---|---|
| Type | Bank |
| Address | 655 S SAINT LOUIS ST, BATESVILLE, AR 72501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 45 Cherry St was $683 with a homeowner's exemption, up 198.3% from the year before.
Source: Independence County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Arkansas |
| County | Independence County |
| Unified School District | Batesville School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $683.00 (+198.25%) Homeowner's exemption | $28,680 (+52.96%) Land $1,660 Building $27,020 | $143,400 (+52.96%) Land $8,300 Building $135,100 |
| 2025 | $229.00 Homeowner's exemption | $18,750 Land $1,430 Building $17,320 | $93,750 Land $7,150 Building $86,600 |
| 2023 | $368.00 Homeowner's exemption | $18,750 Land $1,430 Building $17,320 | $93,750 Land $7,150 Building $86,600 |
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.
FEMA maps place 45 Cherry St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 25, 2017 · 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 | 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 risk around 45 Cherry St is moderate, ranking above 55% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 55% of the US · above 70% of Arkansas |
|---|---|
| Wildfire Likelihood | 0.2% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SOUTHSIDE PUB WATER AUTHORITY serves 9,108 people · EPA ID AR0000254 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Right Fiber Fiber | 5,000 / 5,000 |
| Starlink Satellite | 280 / 30 |
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