655 Ray St, Pea Ridge, AR 72751 Property Records

Benton County property record for 655 Ray St, Pea Ridge, AR 72751

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,857 sqft · built 2017
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (Jan 2026)
Tax Bill	$2,768 (2025)
Deeds & Mortgages	Jan 2026 Sale Jul 2018 Loan Modification + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13-02238-000`

Property Details

APN / Parcel Number

Primary APN	`13-02238-000`
Alternative APNs	`136556.0` `136556`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,857 sqft Living Area
1st Floor Area	1,857 sqft
Flooring	Steel Beam

Exterior

Year Built	Built 2017
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	649 sqft
Driveway	Driveway
Driveway Area	1,260 sqft
Porch	Open Porch
Porch Area	380 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	136556.0
Street Address	655 RAY ST
City	PEA RIDGE
State	AR
Zip	72751-2965
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLAT 2005-31 01/04/05 10
Legal Range	29
Legal Township	21
Legal Section	31
Legal Subdivision	BATTLEFIELD ESTATES-PEA RIDGE
Legal Lot Number	79
Jurisdiction	BENTON AR
Township / Civil Division	7
Census Block Group	2
Census Block	2003
Census Tract	20103

Owner

Source: Benton County records, as of January 29, 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	655 RAY ST, PEA RIDGE, AR 72751-2965
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2026	Warranty Deed, Transfer HARBOR LAND TITLE LLC, HARBOR CLOSING & TITLE LLC
Jul 27, 2018	Loan Modification, Mortgage GRAND SVGS BK
Oct 16, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CALIBER HM LOANS
Jul 11, 2017	Warranty Deed, Subdivision Related Transfer LENDERS TITLE COMPANY, LENDERS TITLE CO
Feb 2, 2017	Trustee's Deed, Construction Loan · Construction Mortgage ARVEST MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 13, 2026 · Amount on Record
Deed Sale	Jan 13, 2026 · Amount on Record
Prior Sale	Oct 16, 2017 · Amount on Record
Deed Document Number	L202602335
Record Updated	Jun 8, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON AR
Recording Date	Jan 13, 2026
Property Address	655 RAY ST, PEA RIDGE, AR 72751-2965
Document Number	L202602335
Map Reference	REC 2005 PG 31 & 106
Instrument Date	Jan 7, 2026
Instrument	L202602335
Transaction Type	Transfer
Record Updated	Jan 22, 2026
Title Company	HARBOR LAND TITLE LLC, HARBOR CLOSING & TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$1,254.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9638 PRIVATE ROAD 2191, CASSVILLE, MO 65625-6507

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 RAY ST, PEA RIDGE, AR 72751-2965

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BENTON AR
Property Address	655 RAY ST, PEA RIDGE, AR 72751-2965
Document Number	0000040219
Instrument Date	Jul 27, 2018
Transaction Type	Mortgage
Record Updated	Aug 14, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	17973 N SKYLIGHT MOUNTAIN RD CANEHILL AR 727179583, CANEHILL, AR 72717-9583

Mortgage

Document Number	0000040219
Date	Aug 2, 2018
Instrument	40219

Lender

Name	GRAND SVGS BK
Type	Federal Savings Bank
Address	BENTONVILLE, AR 72712

Agreement

Term	12 Months
Due	Aug 1, 2019

October 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON AR
Recording Date	Oct 16, 2017
Property Address	655 RAY ST, PEA RIDGE, AR 72751-2965
Document Number	0000D64440
Instrument Date	Oct 12, 2017
Instrument	D64440
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 8, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$737.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	655 RAY ST PEA RIDGE AR 727512965, PEA RIDGE, AR 72751-2965

Mortgage

Document Number	M216857
Date	Oct 16, 2017
Instrument	M216857

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 15, 2032

July 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON AR
Recording Date	Jul 11, 2017
Property Address	655 RAY ST, PEA RIDGE, AR 72751-2965
Document Number	0000D42500
Instrument Date	Jul 11, 2017
Instrument	D42500
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 21, 2017
Title Company	LENDERS TITLE COMPANY, LENDERS TITLE CO

Transaction

Amount	Amount Recorded
Tax	$722.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	655 RAY ST PEA RIDGE AR 72751, PEA RIDGE, AR 72751

February 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	BENTON AR
Recording Date	Feb 2, 2017
Property Address	655 RAY ST, PEA RIDGE, AR 72751-2965
Instrument Date	Jan 26, 2017
Instrument	M21883
Transaction Type	Construction Loan
Record Updated	Feb 9, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	17973 N SKYLIGHT MOUNTAIN RD CANEHILL AR 727179583, CANEHILL, AR 72717-9583

Mortgage

Document Number	0000M21883
Date	Feb 2, 2017
Instrument	M21883

Lender

Name	ARVEST MTG
Type	Mortgage Company
Address	LOWELL, AR 72745

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 1, 2018

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,768.00 (+7.25%) Homeowner's exemption	$77,519 (+52.21%) Land $6,400 Building $71,119
2024			$387,595 (+52.21%) Land $32,000 Building $355,595
2023	$2,581.00 Homeowner's exemption	$50,930 Land $5,600 Building $45,330	$254,650 Land $28,000 Building $226,650

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 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	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

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

Wildfire Risk	Low lower than 80% of the US · lower than 83% of Arkansas
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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	PEA RIDGE WATERWORKS serves 12,795 people · EPA ID AR0000053
Water Source	Purchased surface water from BENTON-WASHINGTON REGIONAL PWA
Last State Inspection	Apr 2026
Lead	2 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 367 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30

May also be available: Brightspeed.

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