51 Center St, Ward, AR 72176 Property Records

Lonoke County property record for 51 Center St, Ward, AR 72176

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,094 sqft · built 1994
Lot Size	1.37 acres (59,983 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Jul 2026)
Tax Bill	$1,539 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Dec 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`800-55010-000`

Property Details

APN / Parcel Number

Primary APN	`800-55010-000`
Alternative APN	`38999`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,094 sqft Living Area
Gross Area	2,254 sqft
1st Floor Area	2,094 sqft
Flooring	Carpet

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1998
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Fiberglass
Lot Area	59,983 sqft (1.37 acres)
Lot Dimensions	287 ft deep x 209 ft wide
Driveway	Concrete Driveway
Driveway Area	360 sqft

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Enclosed/Screened Porch
Porch Area	116 sqft
Deck Area	288 sqft
Patio Area	288 sqft
Shed	1 Shed
Utility Building	720 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	38999
Street Address	51 CENTER ST
City	WARD
State	AR
Zip	72176-8541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	09W
Legal Township	05N
Legal Section	34
Legal Subdivision	SHADY ACRES
Legal Block	2
Legal Lot Number	10
Jurisdiction	LONOKE AR
Township / Civil Division	WARD
Census Block Group	2
Census Block	2013
Census Tract	20102

Owner

51 Center St is owned and occupied by two individuals who bought it in July 2026.

Source: Lonoke County records, as of July 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	51 CENTER ST, WARD, AR 72176-8541
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Warranty Deed, Transfer · Conventional Mortgage PREMIER MORTGAGE
Dec 13, 2019	Deed of Trust, Mortgage · Line of Credit ARKANSAS FCU
Feb 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2026 · Amount on File
Deed Sale	Jul 13, 2026 · Amount on File
Prior Sale	Nov 1, 2000
Deed Document Number	20267281
Transfer Doc	0000000000
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LONOKE AR
Recording Date	Jul 13, 2026
Property Address	51 CENTER ST, WARD, AR 72176-8541
Document Number	0000007281
Instrument Date	Jul 1, 2026
Instrument	20267281
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	PROFESSIONAL TITLE, PROFESSIONAL LAND TITLE COMPAN

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$98,323.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 CENTER ST, WARD, AR 72176-8541

Mortgage

Document Number	0000007282,
Date	Jul 13, 2026
Instrument	20267282

Lender

Name	PREMIER MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LONOKE AR
Property Address	51 CENTER ST, WARD, AR 72176-8541
Document Number	0000012838
Instrument Date	Dec 13, 2019
Transaction Type	Mortgage
Record Updated	Jan 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	51 CENTER ST WARD AR 721768541, WARD, AR 72176-8541

Mortgage

Document Number	0000012838
Date	Dec 20, 2019
Instrument	12838

Lender

Name	ARKANSAS FCU
Type	Credit Union
Address	JACKSONVILLE, AR 72078

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Dec 19, 2029

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LONOKE AR
Property Address	51 CENTER ST, WARD, AR 72176-8541
Document Number	0000002115
Instrument Date	Feb 15, 2017
Transaction Type	Mortgage
Record Updated	Jul 5, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	51 CENTER ST WARD AR 721768541, WARD, AR 72176-8541

Mortgage

Document Number	0000002115
Date	Mar 1, 2017
Instrument	2115

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 29, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 51 Center St was $1,539 with a homeowner's exemption, up 48.1% from the year before.

Source: Lonoke County assessment roll, as of October 1, 2025

Property Jurisdictions

Type	Name
State	Arkansas
County	Lonoke County
Municipality	Ward City
Unified School District	Cabot Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,539.00 (+48.12%) Homeowner's exemption	$30,250 Land $2,510 Building $27,740	$151,250 Land $12,550 Building $138,700
2024	$1,039.00 (-6.73%)
2023	$1,114.00 Homeowner's exemption	$30,250 Land $2,510 Building $27,740	$151,250 Land $12,550 Building $138,700

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

FEMA maps place 51 Center St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2025.

Source: FEMA National Flood Hazard Layer, effective April 25, 2024 · 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	4 in force
Nearby Flood Claims	2 (2025)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 2025 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Apr 2025 · 2 claims

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

Wildfire risk around 51 Center St is low, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 67% of Arkansas
Wildfire Likelihood	0.07% 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	WARD WATERWORKS serves 12,579 people · EPA ID AR0000345
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2024
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	No certified operator Jul 2025
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 218 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Connect2First Fiber	1,000 / 1,000
Optimum Cable	940 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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