1035 Co Rd 40, Centre, AL 35960 Property Records

Cherokee County property record for 1035 Co Rd 40, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1,040 sqft · built 1980
Lot Size	0.51 acres (22,216 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (Oct 2026)
Tax Bill	$571 (2026)
Deeds & Mortgages	Oct 2026 Sale & Mortgage May 2026 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-13-08-28-0-000-090.000`

Property Details

APN / Parcel Number

Primary APN	`13-13-08-28-0-000-090.000`
Alternative APNs	`ALT APN:1308280000090000` `218702` `9017`

Interior

Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	22,216 sqft (0.51 acres)
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Utility Building	84 sqft

Location & Zoning

Account Number	218702
Street Address	1035 COUNTY ROAD 40
City	CENTRE
State	AL
Zip	35960-8220
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13, COWAN CRK S/D, PB 6/15
Legal Range	10E
Legal Township	10S
Legal Section	28
Legal Subdivision	COWAN CREEK SUB REVISION
Legal Lot Number	13
Jurisdiction	CHEROKEE AL
Township / Civil Division	SPRING GARDEN
Census Block Group	3
Census Block	3008
Census Tract	956102

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1035 COUNTY ROAD 40, CENTRE, AL 35960-8220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2026	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 14, 2026	Deed of Trust, Mortgage · Construction Mortgage NONE LISTED ON DOCUMENT
May 14, 2026	Warranty Deed, Transfer · Construction Mortgage EQUITY SOLUTIONS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2026 · Amount on Record
Deed Sale	Oct 2, 2026 · Amount on Record
Prior Sale	May 14, 2026 · Amount on Record
Deed Document Number	2026246120
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Oct 2, 2026
Property Address	1035 COUNTY ROAD 40, CENTRE, AL 35960-8220
Document Number	0000246120
Instrument Date	Sep 29, 2026
Instrument	2026246120
Transaction Type	Transfer
Record Updated	Oct 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$20,705.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1035 COUNTY ROAD 40, CENTRE, AL 35960-8220

Mortgage

Document Number	0000246121,
Date	Oct 2, 2026
Instrument	2026246121

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Recording Date	May 14, 2026
Property Address	1035 COUNTY ROAD 40, CENTRE, AL 35960-8220
Document Number	0000243766
Instrument Date	May 12, 2026
Instrument	2026243766
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	0000243766,
Date	May 14, 2026
Instrument	2026243766

Lender

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Nov 12, 2026

Interest

Rate	6.3%
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	May 14, 2026
Property Address	1035 COUNTY ROAD 40, CENTRE, AL 35960-8220
Document Number	0000243765
Instrument Date	May 12, 2026
Instrument	2026243765
Transaction Type	Transfer
Record Updated	Sep 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$12,625.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	20 VALLEY CREEK DR SW, CARTERSVILLE, GA 30120-6372

Mortgage

Document Number	0000243766,
Date	May 14, 2026
Instrument	2026243766

Lender

Name	EQUITY SOLUTIONS

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Nov 12, 2026

Interest

Max Rate	-1%

Tax Assessment & Valuation

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	$571.00 (+32.79%)
2025	$430.00	$920 (-90.85%) Land $740 Building $180	$51,200 (-) Land $3,700 Building $47,500
2024	$430.00	$10,060 (-1.76%) Land $660 Building $9,400	$51,200 (-) Land $3,300 Building $47,900
2023	$430.00	$10,240 (+1,119.05%)	$51,200 (-) Land $3,300 Building $47,900
2022	$430.00	$840 Land $660 Building $180	$51,200 Land $3,300 Building $47,900

Assessed value is set for property tax purposes, not a market price estimate; it is 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 Zone	Zone X minimal risk
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

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

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