5 Sowbug Cir, Cotter, AR 72626 Property Records

Baxter County property record for 5 Sowbug Cir, Cotter, AR 72626 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,966 sqft · built 2023
Lot Size	3.31 acres (144,323 sqft)
Owner	Company Name on File
Last Sale	$450,000 (May 2021)
Tax Bill	$6,997 (2025)
Deeds & Mortgages	Sep 2022 Construction Loan May 2020 Construction Loan
Flood Zone	Zone AE (high risk)
APN	`004-04953-003`

Property Details

APN / Parcel Number

Primary APN	`004-04953-003`
Alternative APN	`43629`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,966 sqft Living Area
1st Floor Area	1,390 sqft
Utility Area	55 sqft
Flooring	Hardwood

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Construction Type	Frame
Roof Type	Shed Roof
Roof Material	Metal
Lot Area	144,323 sqft (3.31 acres)
Garage Type	Carport
Garage Area	484 sqft
Carport	Carport
Carport Area	484 sqft
Driveway	Concrete Driveway
Driveway Area	1,566 sqft

Exterior Amenities

Porch	Slab
Porch Area	142 sqft
Deck Area	120 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5 SOWBUG CIR
City	COTTER
State	AR
Zip	72626-8007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1,2,4,5,6 HURST LANDING
Legal Range	14
Legal Township	19
Legal Section	30
Legal Subdivision	HURST LANDING
Legal Lot Number	1,2,4-6
Jurisdiction	BAXTER AR
Township / Civil Division	WHITEVILLE
Census Block Group	3
Census Block	3015
Census Tract	950900

Owner

Source: Baxter County records · APN 004-04953-003

Assessment roll updated November 25, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	351 E 4TH ST, 2, MOUNTAIN HOME, AR 72653-3802
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2022	Deed of Trust, Mortgage · Construction Mortgage FIRST SECURITY BANK
May 29, 2020	Quit Claim Deed, Subdivision Related Transfer · Construction Mortgage FIRST SECURITY BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 26, 2021 · Amount on Record
Deed Sale	May 26, 2021 · Amount on Record
Prior Sale	Oct 07, 2019 · Amount on Record
Deed Document Number	20216025
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAXTER AR
Property Address	5 SOWBUG CIR, COTTER, AR 72626-8007
Transaction Type	Mortgage
Record Updated	Sep 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	L202210058
Date	Sep 19, 2022
Instrument	L202210058

Lender

Name	FIRST SECURITY BANK
Type	Bank
Address	MOUNTAIN HOME, AR 72654

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

May 2020: Quit Claim Deed, Subdivision Related Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAXTER AR
Recording Date	May 29, 2020
Property Address	5 SOWBUG CIR, COTTER, AR 72626-8007
Document Number	L202004950
Map Reference	SL 1205
Instrument Date	May 28, 2020
Instrument	L202004950
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 12, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	351 E 4TH ST STE 2, 2, MOUNTAIN HOME, AR 72653-3802

Mortgage

Document Number	L202004951
Date	May 29, 2020
Instrument	L202004951

Lender

Name	FIRST SECURITY BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Mortgage

Document Number	L202004955
Date	May 29, 2020
Instrument	L202004955

Lender

Name	FIRST SECURITY BANK
Type	Bank
Address	MOUNTAIN HOME, AR 72654

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Baxter County records · Assessment roll updated November 25, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Arkansas
County	Baxter County
Municipality	Cotter City
Unified School District	Cotter School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,997.00 (-34.9%)	$265,800 (+254.4%) Land $75,000 Building $190,800
2024	$10,748.00 (+441.19%)
2023	$1,986.00	$75,000 Land $75,000	$1,329,000 Land $375,000 Building $954,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Baxter County (05005C), updated December 3, 2010 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)

Wildfire

Wildfire Risk	Moderate above 58% of the US · above 77% of Arkansas
Wildfire Likelihood	About 1 in 667 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 18 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
North Arkansas Electric Cooperative	Fiber	1,000 / 1,000
Yelcot Holding Group	Fiber	1,000 / 500
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon, Optimum Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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