97 Trout Valley Rd, Wilburn, AR 72179 Property Records

Cleburne County property record for 97 Trout Valley Rd, Wilburn, AR 72179

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,872 sqft · built 1999
Lot Size	0.43 acres (18,732 sqft)
Owner	Company Name on Record
Last Sale	$265,000 (Oct 2020)
Tax Bill	$4,285 (2026)
Deeds & Mortgages	Jun 2018 Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`002-05232-006`

Property Details

APN / Parcel Number

Primary APN	`002-05232-006`
Alternative APN	`16345`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,872 sqft Living Area
1st Floor Area	1,064 sqft
Upper Floors Area	808 sqft
Basement Area	1,064 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Rustic
Exterior Material	Logs
Construction Type	Log
Foundation Type	Closed Piers
Roof Type	Gable
Roof Material	Metal
Lot Area	18,732 sqft (0.43 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	720 sqft
Deck Area	144 sqft
Patio Area	140 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	97 TROUT VALLEY RD
City	WILBURN
State	AR
Zip	72179
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	09
Legal Township	10
Legal Section	36
Legal Subdivision	HIDDEN VALLEY
Legal Lot Number	7
Jurisdiction	CLEBURNE AR
Township / Civil Division	SUGAR LOAF
Census Block Group	3
Census Block	3033
Census Tract	480100

Owner

Source: Cleburne 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	Company Name on Record
Mailing Address	10001 N 108TH ST, OMAHA, NE 68142-1249
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2018	Deed of Trust, Mortgage BANK OF ENGLAND
Dec 27, 2021	Deed of Trust, Mortgage · Commercial Mortgage COGENT BANK
Oct 28, 2020	Warranty Deed, Transfer · Line of Credit COGENT BANK
Jun 11, 2018	Quit Claim Deed, Transfer · Line of Credit BANK OF ENGLAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2020 · Amount on Record
Deed Sale	Oct 28, 2020 · Amount on Record
Prior Sale	Dec 17, 2008 · Amount on Record
Deed Document Number	20206905
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEBURNE AR
Property Address	97 TROUT VALLEY RD, WILBURN, AR 72179
Transaction Type	Mortgage
Record Updated	Mar 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201803254
Date	Jun 20, 2018
Instrument	201803254

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LONOKE, AR 72086

Agreement

Amount	Amount Recorded

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEBURNE AR
Property Address	97 TROUT VALLEY RD, WILBURN, AR 72179
Transaction Type	Mortgage
Record Updated	Mar 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3014 N 102ND ST, SAINT LOUIS, MO 63134

Mortgage

Document Number	0202109674
Date	Dec 27, 2021
Instrument	202109674

Lender

Name	COGENT BANK
Type	Bank
Address	ELKHORN, NE 68022

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jan 10, 2032

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEBURNE AR
Recording Date	Oct 28, 2020
Property Address	97 TROUT VALLEY RD, WILBURN, AR 72179
Document Number	0202006905
Instrument Date	Oct 26, 2020
Instrument	202006905
Transaction Type	Transfer
Record Updated	Mar 3, 2023
Title Company	CORNERSTONE TITLE AND ESCROW LLC, CORNERSTONE TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$874.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1335 BROWNSVILLE LOOP, LONOKE, AR 72086-8672

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1960 WAGNER RD, FREMONT, NE 68025-6617

Mortgage

Document Number	0202006906
Date	Oct 28, 2020
Instrument	202006906

Lender

Name	COGENT BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLEBURNE AR
Recording Date	Jun 11, 2018
Property Address	97 TROUT VALLEY RD, WILBURN, AR 72179
Document Number	0201803054
Instrument Date	Jun 7, 2018
Instrument	201803054
Transaction Type	Transfer
Record Updated	Mar 3, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1335 BROWNSVILLE LOOP, LONOKE, AR 72086-8672

Mortgage

Document Number	0201803055
Date	Jun 11, 2018
Instrument	201803055

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Arkansas
County	Cleburne County
Unified School District	Concord Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,285.00 (+9.09%)	$107,727 (-) Land $25,000 Building $82,727	$538,635 (-) Land $125,000 Building $413,635
2025	$3,928.00 (+24.9%)	$107,727 (+24.48%) Land $25,000 Building $82,727	$538,635 (+24.48%) Land $125,000 Building $413,635
2023	$3,145.00	$86,542 Land $20,000 Building $66,542	$432,710 Land $100,000 Building $332,710

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 February 16, 2006 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 52 policies
Nearby Flood Policies	52 in force
Nearby Flood Claims	22 (1984–2021)
Claims Outside the SFHA	1 of 22
Most Recent Claim	Mar 2021 · tidal / storm surge
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2017 · 9 claims

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 52% of the US · above 65% of Arkansas
Wildfire Likelihood	0.1% 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	WILBURN WATER ASSOCIATION serves 668 people · EPA ID AR0000686
Water Source	Purchased surface water from HEBER SPRINGS WATER SYSTEM
Last State Inspection	Feb 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Connect2First Fiber	1,000 / 1,000
Horton's TV & Electronics Fixed Wireless	100 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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