521 Emerald St, Lowell, AR 72745 Property Records

Benton County property record for 521 Emerald St, Lowell, AR 72745

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,410 sqft · built 2002
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$238,000 (Aug 2022)
Tax Bill	$2,460 (2026)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Jul 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`12-02186-000`

Property Details

APN / Parcel Number

Primary APN	`12-02186-000`
Alternative APNs	`44783.0` `44783`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,410 sqft Living Area
Gross Area	1,810 sqft
1st Floor Area	1,410 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	400 sqft
Driveway	Concrete Driveway
Driveway Area	592 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Patio Area	35 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	521 EMERALD ST
City	LOWELL
State	AR
Zip	72745-8843
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	30
Legal Township	18
Legal Section	12
Legal Subdivision	SOUTHFORK SUB PH IIIA-LOWELL
Legal Lot Number	160
Jurisdiction	BENTON AR
Township / Civil Division	3
Census Block Group	3
Census Block	3014
Census Tract	21406

Owner

521 Emerald St is owned and occupied by an individual who bought it in August 2022.

Source: Benton County records, as of September 1, 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	Individual Name on File
Mailing Address	521 EMERALD ST, LOWELL, AR 72745-8843
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2022	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Jul 26, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2022 · Amount on File
Deed Sale	Aug 31, 2022 · Amount on File
Prior Sale	Aug 3, 2001 · Amount on File
Deed Document Number	202257086
Prior Transfer Date	Dec 18, 2014
Prior Transfer Doc	2014069620
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON AR
Recording Date	Aug 31, 2022
Property Address	521 EMERALD ST, LOWELL, AR 72745-8843
Document Number	L202257086
Map Reference	PL P-2 PG 878E
Instrument Date	Aug 24, 2022
Instrument	L202257086
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	CITY TITLE AND CLOSING LLC, CITY TITLE & CLOSING LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$785.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	521 EMERALD ST, LOWELL, AR 72745-8843

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 EMERALD ST, LOWELL, AR 72745-8843

Mortgage

Document Number	L202257087
Date	Aug 31, 2022
Instrument	L202257087

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON AR
Property Address	521 EMERALD ST, LOWELL, AR 72745-8843
Document Number	0000045459
Instrument Date	Jul 26, 2019
Transaction Type	Mortgage
Record Updated	Oct 2, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 EMERALD ST LOWELL AR 727458843, LOWELL, AR 72745-8843

Mortgage

Document Number	0000045459
Date	Aug 30, 2019
Instrument	45459

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 521 Emerald St was $2,460, up 9.2% from the year before.

Source: Benton County assessment roll, as of September 1, 2026

Property Jurisdictions

Type	Name
State	Arkansas
County	Benton County
Municipality	Lowell City
Unified School District	Rogers Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,460.00 (+9.24%)	$50,706 (-) Land $15,200 Building $35,506	$253,530 Land $76,000 Building $177,530
2025	$2,252.00	$50,706 Land $15,200 Building $35,506
2024			$253,530 (+55.11%) Land $76,000 Building $177,530
2023	$1,739.00	$32,690 Land $7,200 Building $25,490	$163,450 Land $36,000 Building $127,450

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 521 Emerald St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · 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	5 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	May 2022 · other causes

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 521 Emerald 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 62% of the US · lower than 64% 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	SPRINGDALE WATER UTILITIES serves 100,795 people · EPA ID AR0000575
Water Source	Purchased surface water from BEAVER WATER DISTRICT
Last State Inspection	Nov 2025
Lead	1 ppb (2023–2025) 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 317 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Right Fiber Fiber	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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