4915 S Zero St, Fort Smith, AR 72903 Property Records

Sebastian County property record for 4915 S Zero St, Fort Smith, AR 72903

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	79,972 sqft · built 1975
Lot Size	8.66 acres (377,230 sqft)
Owner	Company Name on Record
Last Sale	$1,131,000 (May 1995)
Tax Bill	$20,181 (2026)
Deeds & Mortgages	Jan 2018 Mortgage Feb 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`11745-0001-00000-00`

Property Details

APN / Parcel Number

Primary APN	`11745-0001-00000-00`
Alternative APN	`85154`

Interior

Stories	1 Story
Building Area	79,972 sqft Gross Area
1st Floor Area	79,972 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Brick Veneer
Fire Resistance	Fireproof Steel Frame
Roof Material	Metal
Lot Area	377,230 sqft

Exterior Amenities

Canopy	3,670 sqft
Loading Dock	1,200 sqft
Boat Access	Boat Access
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Account Number	85154
Street Address	4915 S ZERO ST
City	FORT SMITH
State	AR
Zip	72903-6933
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	LOT 1
Legal Range	32
Legal Township	08
Legal Section	35
Legal Subdivision	CRAIN INDUSTRIES
Legal Block	3
Legal Lot Number	1
Jurisdiction	SEBASTIAN AR
Township / Civil Division	UPPER
Census Block Group	3
Census Block	3014
Census Tract	1102

Owner

Source: Sebastian County records, as of August 31, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 10450, FORT SMITH, AR 72917-0450
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF FORT SMITH
Feb 10, 2020	Deed of Trust, Mortgage · Commercial Mortgage FIRST SECURITY BANK
Jul 19, 2019	Deed of Trust, Mortgage FIRST SECURITY BANK
Jul 19, 2019	Deed of Trust, Mortgage · Construction Mortgage FIRST SECURITY BANK
May 26, 2022	Deed of Trust, Mortgage · Commercial Mortgage FIRST SECURITY BANK
Jul 18, 2023	Deed of Trust, Mortgage · Commercial Mortgage FIRST SECURITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 1995 · Amount on Record
Deed Sale	May 18, 1995 · Amount on Record
Prior Sale	May 18, 1995
Deed Book / Page	608 / 313
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEBASTIAN AR
Property Address	4915 S ZERO ST, FORT SMITH, AR 72903-6933
Transaction Type	Mortgage
Record Updated	Oct 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018F01018
Date	Jan 12, 2018
Instrument	2018F-01018

Lender

Name	FIRST NATIONAL BANK OF FORT SMITH
Type	Bank
Address	FORT SMITH, AR 72902

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Jan 15, 2021

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEBASTIAN AR
Property Address	4915 S ZERO ST, FORT SMITH, AR 72903-6933
Transaction Type	Mortgage
Record Updated	Oct 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020F03122
Date	Feb 10, 2020
Instrument	2020F-03122

Lender

Name	FIRST SECURITY BANK
Type	Bank
Address	FORT SMITH, AR 72901

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Jan 30, 2021

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEBASTIAN AR
Property Address	4915 S ZERO ST, FORT SMITH, AR 72903-6933
Transaction Type	Mortgage
Record Updated	Oct 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019F15129
Date	Jul 19, 2019
Instrument	2019F-15129

Lender

Name	FIRST SECURITY BANK
Type	Bank
Address	FORT SMITH, AR 72901

Agreement

Amount	Amount Recorded

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEBASTIAN AR
Property Address	4915 S ZERO ST, FORT SMITH, AR 72903-6933
Transaction Type	Mortgage
Record Updated	Oct 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019F15125
Date	Jul 19, 2019
Instrument	2019F-15125

Lender

Name	FIRST SECURITY BANK
Type	Bank
Address	FORT SMITH, AR 72901

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEBASTIAN AR
Property Address	4915 S ZERO ST, FORT SMITH, AR 72903-6933
Transaction Type	Mortgage
Record Updated	Oct 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022F12995
Date	May 26, 2022
Instrument	2022F-12995

Lender

Name	FIRST SECURITY BANK
Type	Bank
Address	FORT SMITH, AR 72901

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	35 Months
Due	Apr 26, 2025

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEBASTIAN AR
Property Address	4915 S ZERO ST, FORT SMITH, AR 72903-6933
Transaction Type	Mortgage
Record Updated	Oct 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023F14047
Date	Jul 18, 2023
Instrument	2023F-14047

Lender

Name	FIRST SECURITY BANK
Type	Bank
Address	FORT SMITH, AR 72901

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	10 Months
Due	May 17, 2024

Tax Assessment & Valuation

Source: Sebastian County assessment roll, as of August 31, 2026

Property Jurisdictions

Type	Name
State	Arkansas
County	Sebastian County
Municipality	Fort Smith City
Unified School District	Fort Smith Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$20,181.00	$516,230 (-) Land $69,652 Building $446,578	$2,581,150 (-) Land $348,260 Building $2,232,890
2025	$20,181.00 (+1%)	$516,230 (+63.36%) Land $69,652 Building $446,578	$2,581,150 (+63.36%) Land $348,260 Building $2,232,890
2023	$18,346.00	$316,000 Land $27,570 Building $288,430	$1,580,000 Land $137,850 Building $1,442,150

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 June 1, 2025 · 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	3 in force
Nearby Flood Claims	3 (2008–2015)
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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	Low lower than 80% of the US · lower than 83% of Arkansas
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	FORT SMITH WATER UTILITIES serves 86,209 people · EPA ID AR0000507
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Aug 2017
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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless · DSL in parts of the area	25 / 3

May also be available: Cox Communications, Dobson Fiber, Verizon.

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