Cherokee County property record for 1075 S Watson Dr, Centre, AL 35960 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 1.5 Baths |
| Year Built | Built 1970 |
| Square Footage | 2,588 sqft Living Area |
| Lot Size | 41,818 sqft (0.96 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $270,000 (2024) |
| Tax Bill | $1,210.00 (2025) |
| Primary APN | 13-14-05-21-1-005-012.000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 2,588 sqft Living Area |
| 1st Floor | 2,588 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Wood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Brick Exterior |
| Construction Type | Wood Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 41,818 sqft (0.96 acres) |
| Deck Area | Deck Area |
| Porch Area | 670 sqft Porch |
| Account Number | 219649 |
|---|---|
| Street Address | 1075 S WATSON DR |
| City | CENTRE |
| State | AL |
| Zip | 35960-1731 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOTS 4 & 5, BLK B, WEST HILLS SD PB 6 PG 63 |
| Legal Range | 09E |
| Legal Township | 10S |
| Legal Section | 21 |
| Legal Subdivision | WEST HILLS-REV PT SO OF HWY-WA |
| Legal Block | B |
| Legal Lot Number | 4-5 |
| Jurisdiction | CHEROKEE AL |
| Minor Civil Division | CENTRE |
| Census Blockgroup | 4 |
| Census Block | 4011 |
| Census Tract | 955900 |
Source: Cherokee County records · APN 13-14-05-21-1-005-012.000
Assessment roll updated December 1, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 1075 S WATSON DR, CENTRE, AL 35960-1731 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 26, 2025 | Deed of Trust, Mortgage · Conventional Mortgage LUMINATE BANK |
| Apr 19, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage QUICKEN LOANS INC |
| Jan 30, 2017 | Deed of Trust, Mortgage · Stand Alone First Mortgage FIRST GUARANTY MORTGAGE CORP |
| Dec 06, 2021 | Warranty Deed, Transfer · Conventional Mortgage FIRST STATE MORTGAGE SERVICES |
| Jul 19, 2018 | Warranty Deed, Transfer · Stand Alone First Mortgage GOLDWATER BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 16, 2024 · Amount on Record |
| Deed Sale | May 16, 2024 · Amount on Record |
| Prior Sale | Dec 06, 2021 · Amount on Record |
| Deed Doc Number | 2024233727 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 1075 S WATSON DR, CENTRE, AL 35960-1731 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1075 S WATSON DR, CENTRE, AL 35960-1731 |
| Document Number | 0000241491 |
|---|---|
| Date | Nov 26, 2025 |
| Instrument | 241491 |
| Name | LUMINATE BANK |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55405 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 1075 S WATSON DR, CENTRE, AL 35960-1731 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000217713 |
|---|---|
| Date | Apr 19, 2021 |
| Instrument | 217713 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 1075 S WATSON DR, CENTRE, AL 35960-1731 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000196512 |
|---|---|
| Date | Jan 30, 2017 |
| Instrument | 0196512 |
| Name | FIRST GUARANTY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | GADSDEN, AL 35901 |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Recording Date | Dec 06, 2021 |
| Property Address | 1075 S WATSON DR, CENTRE, AL 35960-1731 |
| Document Number | 0000221688 |
| Map Reference | PB 6 PG 63 |
| Instrument Date | Dec 02, 2021 |
| Instrument | 221688 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | From Affidavit or Verified |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1075 S WATSON DR, CENTRE, AL 35960-1731 |
| Document Number | 0000221689 |
|---|---|
| Date | Dec 06, 2021 |
| Instrument | 221689 |
| Name | FIRST STATE MORTGAGE SERVICES |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Recording Date | Jul 19, 2018 |
| Property Address | 1075 S WATSON DR, CENTRE, AL 35960-1731 |
| Document Number | 0000203494 |
| Instrument Date | Jul 17, 2018 |
| Instrument | 203494 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1075 S WATSON DR, CENTRE, AL 35960-1731 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 1075 S WATSON DR, CENTRE, AL 35960-1731 |
| Investor | Possibly a Property Investor |
| Document Number | 0000203495 |
|---|---|
| Date | Jul 19, 2018 |
| Instrument | 203495 |
| Name | GOLDWATER BANK NA |
|---|---|
| Type | Bank |
| Address | PHOENIX, AZ 85016 |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Cherokee County records · Assessment roll updated December 1, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Cherokee County |
| Municipality | Centre City |
| Unified School District | Cherokee County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,210.00 (+15.79%) Homeowner's exemption | $23,180 (+17.78%) Land $880 Building $22,300 | $268,500 (+14.94%) Land $8,700 Building $259,800 |
| 2024 | $1,045.00 Additional exemption filed | $19,680 (-15.83%) Land $880 Building $18,800 | $233,600 (-) Land $8,700 Building $224,900 |
| 2023 | $1,045.00 Homeowner's exemption | $23,380 (+410.48%) | $233,600 (-) Land $8,700 Building $224,900 |
| 2022 | $1,045.00 Homeowner's exemption | $4,580 Land $880 Building $3,700 | $233,600 Land $8,700 Building $224,900 |
Source: FEMA National Flood Hazard Layer, Cherokee County (01019C), updated March 15, 2016 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Wildfire Risk | Moderate above 58% of the US · above 73% of Alabama |
|---|---|
| Wildfire Likelihood | About 1 in 637 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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