49 Split Oak Rd, Tumbling Shoals, AR 72581 Property Records

Cleburne County property record for 49 Split Oak Rd, Tumbling Shoals, AR 72581

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,848 sqft · built 2003
Lot Size	1.41 acres (61,420 sqft)
Owner	Individual Name on Record
Last Sale	$139,000 (Jun 2020)
Tax Bill	$692 (2026)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2020 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`001-03699-000`

Property Details

APN / Parcel Number

Primary APN	`001-03699-000`
Alternative APN	`5039`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,848 sqft Living Area
1st Floor Area	1,848 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Other
Construction Type	Frame
Foundation Type	Closed Piers
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	61,420 sqft (1.41 acres)
Garage Type	Mixed
Garage Area	1,072 sqft
Driveway	Asphalt Driveway
Driveway Area	640 sqft

Exterior Amenities

Porch	Patio
Porch Area	192 sqft
Deck Area	324 sqft
Patio Area	658 sqft
Utility Building	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	49 SPLIT OAK RD
City	TUMBLING SHOALS
State	AR
Zip	72581-9225
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A PART OF THE NORTHEAST QUARTER OF THE SOUTHWEST QUARTER (NE 1/4 SW 1/4) OF SECTION THIRTY-THREE (33), TOWNSHIP ELEVEN (11) N
Legal Range	09
Legal Township	11
Legal Section	33
Jurisdiction	CLEBURNE AR
Township / Civil Division	PETER CREEK
Census Block Group	1
Census Block	1049
Census Tract	480100

Owner

Source: Cleburne County records, as of October 13, 2026

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	160 WATER TOWER RD, TUMBLING SHOALS, AR 72581-9107
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2020	Deed of Trust, Mortgage · FHA Mortgage CENTENNIAL BANK
Jul 2, 2020	Deed of Trust, Mortgage · FHA Mortgage CENTENNIAL BANK
Jun 12, 2020	Special Warranty Deed, Transfer · FHA Mortgage CENTENNIAL BANK
Dec 19, 2019	Special Warranty Deed, Foreclosure
Nov 20, 2019	Foreclosure
Jul 24, 2017	Deed of Trust, Mortgage · VA Mortgage UNITED MILITARY MORTGAGE LLC
Feb 21, 2017	Deed of Trust, Mortgage · VA Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2020 · Amount on Record
Deed Sale	Jun 12, 2020 · Amount on Record
Prior Sale	Nov 20, 2019 · Amount on Record
Deed Document Number	20203166
Prior Transfer Date	Nov 19, 2019
Prior Transfer Doc	201906895
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEBURNE AR
Property Address	49 SPLIT OAK RD, TUMBLING SHOALS, AR 72581-9225
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202003721
Date	Jul 1, 2020
Instrument	202003721

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEBURNE AR
Property Address	49 SPLIT OAK RD, TUMBLING SHOALS, AR 72581-9225
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202003771
Date	Jul 2, 2020
Instrument	202003771

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

June 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CLEBURNE AR
Recording Date	Jun 12, 2020
Property Address	49 SPLIT OAK RD, TUMBLING SHOALS, AR 72581-9225
Document Number	202003166
Instrument Date	Jun 8, 2020
Instrument	202003166
Transaction Type	Transfer
Record Updated	Sep 28, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	810 VERMONT AVE NW, 810, WASHINGTON, DC 20420-0001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	160 WATER TOWER RD, TUMBLING SHOALS, AR 72581-9107

Mortgage

Document Number	202003167
Date	Jun 12, 2020
Instrument	202003167

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

December 2019: Special Warranty Deed, Foreclosure

Document Type	Special Warranty Deed
Jurisdiction	CLEBURNE AR
Recording Date	Dec 19, 2019
Property Address	49 SPLIT OAK RD, TUMBLING SHOALS, AR 72581-9225
Document Number	201907480
Instrument Date	Dec 11, 2019
Instrument	201907480
Transaction Type	Foreclosure
Record Updated	Sep 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

November 2019: Foreclosure

Document Type	Foreclosure
Jurisdiction	CLEBURNE AR
Recording Date	Nov 20, 2019
Property Address	49 SPLIT OAK RD, TUMBLING SHOALS, AR 72581-9225
Document Number	201906895
Instrument Date	Nov 19, 2019
Instrument	201906895
Transaction Type	Foreclosure
Record Updated	Sep 28, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2863 SAINT ROSE PKWY, HENDERSON, NV 89052-4806

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEBURNE AR
Property Address	49 SPLIT OAK RD, TUMBLING SHOALS, AR 72581-9225
Transaction Type	Mortgage
Record Updated	Sep 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 201703580
Date	Jul 24, 2017
Instrument	201703580

Lender

Name	UNITED MILITARY MORTGAGE LLC
Type	Mortgage Company
Address	LINDON, UT 84042

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEBURNE AR
Property Address	49 SPLIT OAK RD, TUMBLING SHOALS, AR 72581-9225
Transaction Type	Mortgage
Record Updated	Apr 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 201700849
Date	Feb 21, 2017
Instrument	201700849

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

Source: Cleburne County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Arkansas
County	Cleburne County
Unified School District	Heber Springs School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$692.00 (-1.84%) Homeowner's exemption	$53,342 (-) Land $2,256 Building $51,086	$266,710 (-) Land $11,280 Building $255,430
2025	$705.00 (-7.72%) Homeowner's exemption	$53,342 (+40.54%) Land $2,256 Building $51,086	$266,710 (+40.54%) Land $11,280 Building $255,430
2023	$764.00 Homeowner's exemption	$37,956 Land $2,256 Building $35,700	$189,780 Land $11,280 Building $178,500

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

Source: FEMA National Flood Hazard Layer, effective February 16, 2006

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 52% of the US · above 65% 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	TUMBLING SHOALS WATER ASSOC serves 6,608 people · EPA ID AR0000579
Water Source	Purchased surface water from HEBER SPRINGS WATER SYSTEM
Last State Inspection	Sep 2024
Lead	1 ppb (2026–2028) 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 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Connect2First Fiber	1,000 / 1,000
Optimum Cable	940 / 35

May also be available: Horton's TV & Electronics, TCW.

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