615 Mount Hermon, Charlotte, AR 72522 Property Records

Independence County property record for 615 Mount Hermon, Charlotte, AR 72522

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,891 sqft
Lot Size	3.55 acres (154,638 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Oct 2021)
Tax Bill	$498 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Nov 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`166192.0`

Property Details

APN / Parcel Number

Primary APN	`166192.0`
Alternative APNs	`0104259000` `5106`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,891 sqft Living Area
1st Floor Area	1,891 sqft
Basement Area	900 sqft
Unfinished Basement	900 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Closed Piers
Roof Type	Gable
Roof Material	Metal
Lot Area	154,638 sqft (3.55 acres)
Garage Type	Carport
Garage Area	484 sqft
Carport	Carport
Carport Area	484 sqft
Driveway	Concrete Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	204 sqft
Deck Area	16 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	615 MOUNT HERMON
City	CHARLOTTE
State	AR
Zip	72522-9709
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NE SE
Legal Range	05
Legal Township	13
Legal Section	02
Legal Subdivision	S02 T13 R05
Jurisdiction	INDEPENDENCE AR
Township / Civil Division	GAINSBORO
Census Block Group	4
Census Block	4022
Census Tract	490400

Owner

Source: Independence County records, as of October 13, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	615 MOUNT HERMON, CHARLOTTE, AR 72522-9709
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY BANK
Nov 18, 2021	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY BANK
Oct 25, 2021	Warranty Deed, Transfer · Line of Credit FIRST COMMUNITY BANK
Mar 3, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2021 · Amount on Record
Deed Sale	Oct 25, 2021 · Amount on Record
Prior Sale	Aug 6, 2009
Deed Document Number	20216803
Deed Book / Page	2021 / 6459
Last Transfer Date	Jan 22, 2025
Transfer Doc	0000000362
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDEPENDENCE AR
Recording Date	Sep 4, 2026
Property Address	615 MOUNT HERMON, CHARLOTTE, AR 72522-9709
Document Number	0000005321
Instrument Date	Aug 31, 2026
Instrument	20265321
Transaction Type	Mortgage
Record Updated	Sep 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 MOUNT HERMON, CHARLOTTE, AR 72522-9709

Mortgage

Document Number	0000005321,
Date	Sep 4, 2026
Instrument	20265321

Lender

Name	FIRST COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

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

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDEPENDENCE AR
Property Address	615 MOUNT HERMON, CHARLOTTE, AR 72522-9709
Transaction Type	Mortgage
Record Updated	Nov 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	619 MOUNT HERMON, CHARLOTTE, AR 72522-9709

Mortgage

Document Number	DT2021/21680
Date	Nov 18, 2021
Book Page	DT 2021/21680
Instrument	L202107396

Lender

Name	FIRST COMMUNITY BANK
Type	Bank
Address	BATESVILLE, AR 72503

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Nov 20, 2022

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDEPENDENCE AR
Recording Date	Oct 25, 2021
Property Address	615 MOUNT HERMON, CHARLOTTE, AR 72522-9709
Document Number	DEED2021/6459
Book / Page	DEED 2021 / 6459
Instrument Date	Oct 22, 2021
Instrument	L202106803
Transaction Type	Transfer
Record Updated	Nov 5, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 MOUNT HERMON, CHARLOTTE, AR 72522-9709
Investor	Possibly a Property Investor

Mortgage

Document Number	L202106804
Date	Oct 25, 2021
Instrument	L202106804

Lender

Name	FIRST COMMUNITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Nov 10, 2046

Interest

Rate Type	Adjustable Rate

March 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	INDEPENDENCE AR
Recording Date	Mar 3, 2020
Property Address	615 MOUNT HERMON, CHARLOTTE, AR 72522-9709
Document Number	DEED2020/1138
Book / Page	DEED 2020 / 1138
Instrument Date	Dec 6, 2019
Instrument	L202001300
Transaction Type	Transfer
Record Updated	Oct 5, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	619 MOUNT HERMON, CHARLOTTE, AR 72522-9709

Tax Assessment & Valuation

Source: Independence County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Arkansas
County	Independence County
Unified School District	Batesville School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$498.00 (-2.54%) Homeowner's exemption	$34,820 (+62.94%) Land $4,780 Building $30,040	$174,100 (+62.94%) Land $23,900 Building $150,200
2025	$511.00 (-21.51%) Homeowner's exemption	$21,370 (-) Land $1,840 Building $19,530	$106,850 (-) Land $9,200 Building $97,650
2023	$651.00 Homeowner's exemption	$21,370 Land $1,840 Building $19,530	$106,850 Land $9,200 Building $97,650

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

Source: FEMA National Flood Hazard Layer, effective May 25, 2017 · 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	1 in force
Nearby Flood Claims	1 (2014)
Most Recent Claim	Apr 2014 · river or lake 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	Moderate above 54% of the US · above 68% of Arkansas
Wildfire Likelihood	0.2% 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	DOTA PUBLIC WATER AUTHORITY serves 2,722 people · EPA ID AR0000698
Water Source	Groundwater influenced by surface water
Last State Inspection	Sep 2025

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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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