1000 Co Rd 40, Centre, AL 35960 Property Records

Cherokee County property record for 1000 Co Rd 40, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,597 sqft · built 1960
Lot Size	1.14 acres (49,912 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,139 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`13-13-08-28-0-000-081.000`

Property Details

APN / Parcel Number

Primary APN	`13-13-08-28-0-000-081.000`
Alternative APNs	`ALT APN:1308280000081000` `8999`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,597 sqft Living Area
1st Floor Area	1,597 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	49,912 sqft (1.14 acres)
Garage Type	Mixed
Garage Area	384 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	242 sqft
Deck Area	179 sqft
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	8999
Street Address	1000 COUNTY ROAD 40
City	CENTRE
State	AL
Zip	35960-8221
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 & S/2 OF LOT 7, COWAN CREEK S/D, PB 6/15
Legal Range	10E
Legal Township	10S
Legal Section	28
Legal Subdivision	COWAN CREEK SUB REVISION
Legal Lot Number	6-7
Jurisdiction	CHEROKEE AL
Township / Civil Division	SPRING GARDEN
Census Block Group	3
Census Block	3011
Census Tract	956102

Owner

1000 Co Rd 40 is owned and occupied by two individuals.

Source: Cherokee County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1000 COUNTY ROAD 40, CENTRE, AL 35960-8221
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
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Recording Date	Jul 31, 2026
Property Address	1000 COUNTY ROAD 40, CENTRE, AL 35960-8221
Document Number	0000245122
Instrument Date	Jul 14, 2026
Instrument	2026245122
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1000 COUNTY ROAD 40, CENTRE, AL 35960-8221

Mortgage

Document Number	0000245122,
Date	Jul 31, 2026
Instrument	2026245122

Lender

Name	REGIONS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 7, 2056

Interest

Rate	6.47%
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 1000 Co Rd 40 was $1,139, up 7.1% from the year before.

Source: Cherokee County assessment roll, as of December 1, 2025

Property Jurisdictions

Type	Name
State	Alabama
County	Cherokee County
Unified School District	Cherokee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,139.00 (+7.15%)
2025	$1,063.00 (+5.25%)	$28,980 (+5.46%) Land $14,000 Building $14,980	$307,100 (+5.14%) Land $140,000 Building $167,100
2024	$1,010.00 Additional exemption filed	$27,480 (-5.95%) Land $12,500 Building $14,980	$292,100 (-) Land $125,000 Building $167,100
2023	$1,010.00 Additional exemption filed	$29,220 (+105.2%)	$292,100 (-) Land $125,000 Building $167,100
2022	$1,010.00 Additional exemption filed	$14,240 Land $12,500 Building $1,740	$292,100 Land $125,000 Building $167,100

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

Flood

FEMA maps place 1000 Co Rd 40 in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 15, 2016 · 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
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2019–2020)
Most Recent Claim	Feb 2020 · rainfall accumulation

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 1000 Co Rd 40 is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · above 61% of Alabama
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	CHEROKEE COUNTY WATER & SEWER AUTHORITY serves 11,013 people · EPA ID AL0000189
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	50 / 10

May also be available: Verizon.

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Co Rd 40

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