1030 Co Rd 79, Centre, AL 35960 Property Records

Cherokee County property record for 1030 Co Rd 79, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,664 sqft · built 1988
Lot Size	0.691 acres (30,113 sqft)
Owner	2 Individual Names on File
Tax Bill	$783 (2026)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-14-02-04-0-000-020.001`

Property Details

APN / Parcel Number

Primary APN	`13-14-02-04-0-000-020.001`
Alternative APNs	`ALT APN:1402040000020001` `209392` `217700`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,664 sqft Living Area
1st Floor Area	1,280 sqft
Upper Floors Area	384 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	30,113 sqft (0.691 acres)
Porch	Slab
Porch Area	188 sqft
Deck Area	168 sqft

Location & Zoning

Account Number	217700
Street Address	1030 COUNTY ROAD 79
City	CENTRE
State	AL
Zip	35960-6607
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2, 1ST ADD TO BILLY GOAT HILL SD, PB 7 PG 18
Legal Range	09E
Legal Township	10S
Legal Section	04
Legal Subdivision	BILLY GOAT HILL FIRST ADD
Legal Lot Number	2
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	3
Census Block	3034
Census Tract	956000

Owner

1030 Co Rd 79 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	1030 COUNTY ROAD 79, CENTRE, AL 35960-6607
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

Date	Document
Jun 27, 2023	Warranty Deed, Transfer · FHA Mortgage FIRST FEDERAL BANK FSB
Jul 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS & MECHANICS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jun 27, 2023
Property Address	1030 COUNTY ROAD 79, CENTRE, AL 35960-6607
Document Number	0000229685
Map Reference	PB 7 PG 18
Instrument Date	Jun 23, 2023
Instrument	229685
Transaction Type	Transfer
Record Updated	Jul 19, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1030 COUNTY ROAD 79, CENTRE, AL 35960-6607

Mortgage

Document Number	0000229686
Date	Jun 27, 2023
Instrument	229686

Lender

Name	FIRST FEDERAL BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Mortgage

Document Number	0000229687
Date	Jun 27, 2023
Instrument	229687

Lender

Name	FIRST FEDERAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 1, 2033

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	1030 COUNTY ROAD 79, CENTRE, AL 35960-6607
Transaction Type	Mortgage
Record Updated	Dec 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	219228
Date	Jul 13, 2021
Instrument	219228

Lender

Name	FARMERS & MECHANICS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 6, 2031

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1030 Co Rd 79 was $783 with a homeowner's exemption, up 7.4% 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	$783.00 (+7.41%)
2025	$729.00 (-6.78%) Homeowner's exemption	$18,220 (+1,618.87%) Land $660 Building $17,560	$186,200 (-) Land $6,600 Building $179,600
2024	$782.00 (+45.9%)	$1,060 (-20.9%) Land $660 Building $400	$186,200 (+2,679.1%) Land $6,600 Building $179,600
2023	$536.00 Homeowner's exemption	$1,340 (-90.46%)	$6,700 (-95.23%) Land $6,600 Building $100
2022	$536.00 Homeowner's exemption	$14,040 Land $660 Building $13,380	$140,400 Land $6,600 Building $133,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1030 Co Rd 79 in Zone X, an area of minimal flood risk, within 500 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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2019)
Most Recent Claim	Feb 2019 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding

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 1030 Co Rd 79 is moderate, ranking above 48% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · above 56% of Alabama
Wildfire Likelihood	0.08% 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	TOWN OF CENTRE, WW AND SB OF THE serves 8,163 people · EPA ID AL0000188
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Oct 2020
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 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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