ZIP 71964 — Pearcy

Crime rates in Pearcy are generally lower than the national average, with the area characterized by a quiet, rural atmosphere that experiences minimal violent crime compared to larger urban centers in Garland County.

Schools serving the area are primarily part of the Lake Hamilton School District, which is generally regarded as a high-performing district in the region with strong academic and extracurricular programs.

The area is subject to standard regional risks including severe thunderstorms and occasional tornado activity, with flood risk concentrated near local creek beds and low-lying areas.

Economic momentum is driven by the proximity to Hot Springs, which serves as the primary employment and tourism hub, while Pearcy itself remains largely residential with limited commercial development.

Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Arkansas) — Arkansas Disabled Veteran Total Property Tax Exemption: Provides a 100% exemption from all ad valorem real property taxes on the principal homestead. Formula: Net Ad Valorem Tax Due = $0.00. State (Arkansas) — Arkansas Senior and Disabled Assessment Freeze: Freezes the assessed taxable value of the homestead at the prevailing assessed value at the time the owner becomes eligible or purchases the property. State (Arkansas) — Arkansas State Homestead Property Tax Credit: Provides a direct reduction against ad valorem property taxes up to $350.00 (increased to $350 by Act 655 of 2009; further statutory increases may apply up to $425 depending on legislative session). Formula: Final Tax Due = max($0, Gross Ad Valorem Tax - Homestead Credit). State (Arkansas) — Arkansas Amendment 79 Assessment Growth Caps (Assessment Limitation): Caps annual assessed value growth following a countywide reappraisal: homestead parcel taxable assessments cannot increase by more than 5% per year, and non-homestead residential parcel taxable assessments cannot increase by more than 10% per year until taxable assessment reaches… State (Arkansas) — Arkansas Ad Valorem Property Tax Assessment Ratio and Valuation: Imposes an ad valorem property tax based on a uniform statutory assessment ratio of 20% of true market value.

Commuting is almost exclusively car-dependent, with most residents driving 15-20 minutes to reach employment centers in Hot Springs via US-70 or AR-270.

The area offers significant outdoor access, including proximity to Lake Hamilton for boating and fishing, as well as easy access to the Ouachita National Forest for hiking and trails.

The rental market is characterized by low vacancy rates and limited inventory, with most rentals consisting of single-family homes rather than multi-family complexes.

The economy is heavily tied to the tourism, healthcare, and retail sectors of nearby Hot Springs, with a significant portion of the local workforce commuting to these industries.

Transportation infrastructure is limited to regional highways; there is no public transit system serving this ZIP code.

Development is primarily focused on low-density residential expansion and small-scale commercial projects along the main highway corridors.

The Garland County Assessor maintains property valuations based on annual market analysis and periodic reappraisals.

Parcels are subject to Lake Hamilton School District taxes and various county-level service districts.

Property insurance premiums are influenced by regional wildfire and storm risks, with standard coverage widely available.

Arkansas is a non-judicial foreclosure state, allowing for relatively efficient processing of defaults.

Arkansas law requires sellers to provide a property disclosure form, though it is limited in scope compared to other states.