522 W Cross St, Benton, AR 72015 Property Records

Saline County property record for 522 W Cross St, Benton, AR 72015

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,132 sqft · built 1938
Lot Size	0.189 acres (8,250 sqft)
Owner	2 Individual Names on File
Last Sale	$168,000 (Apr 2024)
Tax Bill	$378 (2024)
Deeds & Mortgages	Apr 2024 Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`800-16940-000`

Property Details

APN / Parcel Number

Primary APN	`800-16940-000`
Alternative APN	`56981`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,132 sqft Living Area
1st Floor Area	1,132 sqft

Exterior

Year Built	Built 1938
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Closed Piers
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,250 sqft (0.189 acres)
Lot Dimensions	165 ft deep x 50 ft wide
Garage Type	Detached

Exterior Amenities

Porch	Open Porch
Porch Area	124 sqft
Deck Area	240 sqft
Patio Area	240 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	56981
Street Address	522 W CROSS ST
City	BENTON
State	AR
Zip	72015-3626
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2024-007459
Legal Range	15W
Legal Township	02S
Legal Section	10
Legal Subdivision	DEATON
Legal Block	1
Legal Lot Number	N222
Jurisdiction	SALINE AR
Township / Civil Division	BAUXITE
Census Block Group	3
Census Block	3039
Census Tract	10101

Owner

522 W Cross St is owned and occupied by two individuals who bought it in April 2024.

Source: Saline County records, as of October 22, 2025

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	2 Individual Names on File
Mailing Address	522 W CROSS ST, BENTON, AR 72015-3626
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2024	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
Sep 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage EAGLE BANK & TRUST CO
Feb 21, 2019	Warranty Deed, Transfer · FHA Mortgage TOP FLITE FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2024 · Amount on File
Deed Sale	Apr 30, 2024 · Amount on File
Prior Sale	May 21, 2010 · Amount on File
Deed Document Number	2024-007459
Prior Transfer Date	Feb 21, 2019
Prior Transfer Doc	2019-003089
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALINE AR
Property Address	522 W CROSS ST, BENTON, AR 72015-3626
Transaction Type	Mortgage
Record Updated	May 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	600 SURREY LN, BENTON, AR 72015-5186

Mortgage

Document Number	0000007460
Date	Apr 30, 2024
Instrument	2024-007460

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	950 GLENN DR STE 150, FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALINE AR
Property Address	522 W CROSS ST, BENTON, AR 72015-3626
Transaction Type	Mortgage
Record Updated	Sep 22, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024624
Date	Sep 13, 2021
Instrument	2021-024624

Lender

Name	EAGLE BANK & TRUST CO
Type	Bank
Address	LITTLE ROCK, AR 72211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SALINE AR
Recording Date	Feb 21, 2019
Property Address	522 W CROSS ST, BENTON, AR 72015-3626
Document Number	0000003089
Instrument Date	Feb 19, 2019
Instrument	2019-003089
Transaction Type	Transfer
Record Updated	Oct 14, 2021
Title Company	ARKANSAS TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$333.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	522 W CROSS ST, 522, BENTON, AR 72015-3626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 W CROSS ST, BENTON, AR 72015-3626

Mortgage

Document Number	0000003090
Date	Feb 21, 2019
Instrument	2019-003090

Lender

Name	TOP FLITE FINANCIAL INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

Source: Saline County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Arkansas
Municipality	Benton City
County	Saline County
Unified School District	Benton School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$18,030 Land $3,500 Building $14,530
2024	$378.00 (-8.92%)
2023	$415.00 Homeowner's exemption	$18,030 Land $3,500 Building $14,530	$90,150 Land $17,500 Building $72,650

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 522 W Cross St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force

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 522 W Cross St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.5% of Arkansas
Wildfire Likelihood	Under 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	BENTON WATERWORKS serves 30,681 people · EPA ID AR0000484
Water Source	Surface water
Last State Inspection	Aug 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 455 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Ripple Fiber.

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