Sandra owns a home in Little Rock, Arkansas that sits on a lot measuring exactly one-quarter acre. She has claimed the Arkansas homestead exemption on the property. A creditor has obtained a judgment against Sandra and seeks to force a sale of her home to satisfy the debt. Which of the following statements most accurately describes the effect of the homestead exemption in this situation?

Correct Answer

D) The exemption protects Sandra's home from the forced sale because the property meets the urban homestead acreage limit of one-quarter acre.

Under the Arkansas Constitution, Art. 9, §§ 3–6, the homestead exemption protects a primary residence from most creditor claims. In urban areas, the protected homestead may not exceed one-quarter acre. Sandra's lot is exactly one-quarter acre in Little Rock (an urban area), so it meets the limit precisely. The value of the homestead is unlimited under the constitutional protection, and the exemption applies broadly against judgment creditors.