Cherokee County property record for 1050 Co Rd 40, Centre, AL 35960
| Property Type | Single Family Home |
|---|---|
| Details | 1,150 sqft · built 1960 |
| Lot Size | 0.731 acres (31,849 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,020 (2026) |
| Deeds & Mortgages | May 2017 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 13-13-08-28-0-000-083.000 |
| Primary APN | 13-13-08-28-0-000-083.000 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,150 sqft Living Area |
| 1st Floor Area | 1,150 sqft |
| Flooring | Wood |
| Interior Walls | Paneling |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 31,849 sqft (0.731 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 135 sqft |
| Deck Area | 192 sqft |
| Boat House | Boat House |
| Account Number | 15158 |
|---|---|
| Street Address | 1050 COUNTY ROAD 40 |
| City | CENTRE |
| State | AL |
| Zip | 35960-8221 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4, COWAN CREEK S/D, PB 5/24 |
| Legal Range | 10E |
| Legal Township | 10S |
| Legal Section | 28 |
| Legal Subdivision | COWAN CREEK SUB REVISION |
| Legal Lot Number | 4 |
| Jurisdiction | CHEROKEE AL |
| Township / Civil Division | SPRING GARDEN |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 956102 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3128 HORSELEG CREEK RD SW, ROME, GA 30165-6576 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 1050 COUNTY ROAD 40, CENTRE, AL 35960-8221 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000197810 |
|---|---|
| Date | May 8, 2017 |
| Instrument | 197810 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Cherokee County assessment roll, as of December 1, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Cherokee County |
| Unified School District | Cherokee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,020.00 (+6.92%) | ||
| 2025 | $954.00 (+24.22%) | $19,020 (+60.91%) Land $12,600 Building $6,420 | $227,100 (+24.17%) Land $126,000 Building $101,100 |
| 2024 | $768.00 | $11,820 (-35.41%) Land $11,260 Building $560 | $182,900 (-) Land $112,500 Building $70,400 |
| 2023 | $768.00 | $18,300 (+54.82%) | $182,900 (-) Land $112,500 Building $70,400 |
| 2022 | $768.00 | $11,820 Land $11,260 Building $560 | $182,900 Land $112,500 Building $70,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 15, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| TDS Telecom DSL | 50 / 10 |
4G LTE (outdoors only), no 5G reported
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