81 Mountain St, Eureka Springs, AR 72632 Property Records

Carroll County property record for 81 Mountain St, Eureka Springs, AR 72632

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,147 sqft · built 1915
Lot Size	0.249 acres (10,858 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,575 (2025)
Deeds & Mortgages	Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`925-01023-000`

Property Details

APN / Parcel Number

Primary APN	`925-01023-000`
Alternative APNs	`17760.0` `23565`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,147 sqft Living Area
1st Floor Area	1,611 sqft
Upper Floors Area	536 sqft
Basement Area	1,597 sqft
Unfinished Basement	1,597 sqft
Flooring	Hardwood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Closed Piers
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,858 sqft (0.249 acres)
Driveway	Concrete Driveway
Driveway Area	876 sqft

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	338 sqft
Deck Area	507 sqft
Patio Area	507 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	81 MOUNTAIN ST
City	EUREKA SPRINGS
State	AR
Zip	72632-3338
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L 1,2,3,4 EDWARDS ST W SD N OF MT ST L 1-4 HIVELY ST E SD N OF MT ST
Legal Range	26
Legal Township	20
Legal Section	15
Legal Subdivision	RILEY & ARMSTRONG
Legal Block	71
Legal Lot Number	1-4
Jurisdiction	CARROLL AR
Township / Civil Division	CEDAR
Census Block Group	1
Census Block	1041
Census Tract	950100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Eureka Springs Historic District listed 1970 · 491 contributing resources · NRIS 70000118

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

81 Mountain St is owned and occupied by two individuals who acquired it in September 1989.

Source: Carroll County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	81 MOUNTAIN ST, EUREKA SPRINGS, AR 72632-3338
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 1989
Deed Sale	Sep 27, 1989
Prior Sale	Aug 2, 1989 · Amount on File
Deed Book / Page	123 / 501
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL AR
Property Address	81 MOUNTAIN ST, EUREKA SPRINGS, AR 72632-3338
Transaction Type	Mortgage
Record Updated	Feb 14, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/0427
Date	Jan 30, 2019
Book Page	2019/0427

Lender

Name	EQUITY BANK
Type	Bank
Address	WICHITA, KS 67207

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Feb 1, 2024
Change Frequency	Annually
Min Rate At Change	6.25%
Max Rate At Change	8.25%
Index	1-Year LIBOR
Max Rate	12.2%

Tax Assessment & Valuation

The 2025 property tax bill for 81 Mountain St was $1,575 with a homeowner's exemption.

Source: Carroll County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Arkansas
County	Carroll County
Municipality	Eureka Springs City
Unified School District	Eureka Springs School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$97,360 (-) Land $7,000 Building $90,360	$486,800 (-) Land $35,000 Building $451,800
2025	$1,575.00 Homeowner's exemption	$97,360 Land $7,000 Building $90,360	$486,800 Land $35,000 Building $451,800
2023	$1,556.00 Homeowner's exemption	$72,140 Land $6,000 Building $66,140	$360,700 Land $30,000 Building $330,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 81 Mountain St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 17, 2011 · 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

Wildfire risk around 81 Mountain St is low, with a 0.05% 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 68% of Arkansas
Wildfire Likelihood	0.05% 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	EUREKA SPRINGS WATERWORKS serves 4,053 people · EPA ID AR0000075
Water Source	Purchased surface water from CARROLL-BOONE WATER DISTRICT
Last State Inspection	Sep 2024
Lead	7 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 262 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20