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103 Kay St, Centre, AL 35960 Property Records

Cherokee County property record for 103 Kay St, Centre, AL 35960

Property Summary

Property TypeSingle Family Home
Details1 ba · 2,274 sqft · built 1999
Lot Size1.06 acres (46,174 sqft)
OwnerIndividual Name on Record
Last Sale$127,000 (Jan 2020)
Tax Bill$1,013 (2026)
Deeds & MortgagesJan 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN13-14-05-22-1-003-033.004

Property Details

APN / Parcel Number

Primary APN13-14-05-22-1-003-033.004
Alternative APNs
  • ALT APN:1405221003033004
  • 209096

Interior

Full Baths1 Bath
Stories1 Story
Building Area2,274 sqft Living Area
1st Floor Area2,274 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 1999
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area46,174 sqft (1.06 acres)
Garage TypeMixed
Garage Area528 sqft
Parking Spaces2 Parking Spaces
PorchPatio
Porch Area105 sqft
Deck AreaDeck Area

Location & Zoning

Account Number209096
Street Address103 KAY ST
CityCENTRE
StateAL
Zip35960-1526
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCOM SE COR LOT 1 BLK C REED SD, NE 190'S TO POB;S 09'S;SE41.59';SE 43.71';SE 74.08';NE 274.14';NW 301.74';S 190'S POB
Legal Range09E
Legal Township10S
Legal Section22
Legal SubdivisionREED SD
Legal BlockC
Legal Lot Number1
JurisdictionCHEROKEE AL
Township / Civil DivisionCENTRE
Census Block Group1
Census Block1015
Census Tract956000

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Mailing Address103 KAY ST, CENTRE, AL 35960-1526
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 10, 2020 · Amount on Record
Deed SaleJan 10, 2020 · Amount on Record
Deed Document Number2020210562
Record UpdatedOct 29, 2026

January 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCHEROKEE AL
Recording DateJan 10, 2020
Property Address103 KAY ST, CENTRE, AL 35960-1526
Document Number0000210562
Map ReferenceDB 286 PG 380
Instrument DateJan 10, 2020
Instrument210562
Transaction TypeTransfer
Record UpdatedMay 30, 2023
Title CompanySOURCE OF TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyVerified / From Affidavit
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2570 OLD CEDARTOON DRD SW, LINDALE, GA 20174

Transferred To (Grantee/Buyer)

NameVerified Name
Address103 KAY ST, CENTRE, AL 35960-1526

Mortgage

Document Number0000210563
DateJan 10, 2020
Instrument210563
Lender
NameRENASANT BANK
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 1, 2050
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateAlabama
CountyCherokee County
MunicipalityCentre City
Unified School DistrictCherokee County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,013.00 (+7.31%)
2025$944.00 Homeowner's exemption$19,740 (+665.12%) Land $1,100 Building $18,640$212,100 (-) Land $11,000 Building $201,100
2024$944.00 (+3.96%) Additional exemption filed$2,580 (-87.39%) Land $1,100 Building $1,480$212,100 (+3.72%) Land $11,000 Building $201,100
2023$908.00 Homeowner's exemption$20,460 (+1,024.18%)$204,500 (-) Land $3,200 Building $201,300
2022$908.00 Homeowner's exemption$1,820 Land $320 Building $1,500$204,500 Land $3,200 Building $201,300

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 March 15, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies7 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

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

Wildfire RiskModerate
above 62% of the US · above 80% of Alabama
Wildfire Likelihood0.2% annual chance
ExposureDirect
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 SystemTOWN OF CENTRE, WW AND SB OF THE
serves 8,163 people · EPA ID AL0000188
Water SourceSurface water
Last State InspectionAug 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityHaloacetic acids
resolved · Oct 2020
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 69 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000

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