Cherokee County property record for 1145 Co Rd 54, Centre, AL 35960
| Property Type | Single Family Home |
|---|---|
| Details | 1,232 sqft · built 1960 |
| Lot Size | 1.29 acres (56,192 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $3,000 (May 2023) |
| Tax Bill | $1,032 (2026) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Oct 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-14-03-08-0-000-068.001 |
| Primary APN | 13-14-03-08-0-000-068.001 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,232 sqft Living Area |
| 1st Floor Area | 1,232 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 56,192 sqft (1.29 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 200 sqft |
| Utility Building | 84 sqft |
| Account Number | 217403 |
|---|---|
| Street Address | 1145 COUNTY ROAD 54 |
| City | CENTRE |
| State | AL |
| Zip | 35960-6922 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM INT W R/W LINE CO RD 54 & S SEC LINE, NLY 140' TO POB,NWLY 330', SWLY 174.6', SLY 190',E 291.6' TO POB |
| Legal Range | 09E |
| Legal Township | 10S |
| Legal Section | 08 |
| Jurisdiction | CHEROKEE AL |
| Township / Civil Division | CENTRE |
| Census Block Group | 4 |
| Census Block | 4053 |
| Census Tract | 956000 |
1145 Co Rd 54 is owned and occupied by two individuals who bought it in May 2023.
Source: Cherokee County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1145 COUNTY ROAD 54, CENTRE, AL 35960-6922 |
| 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.
| Date | Document |
|---|---|
| May 8, 2023 | Warranty Deed, Transfer · FHA Mortgage UNITED COMMUNITY BANK |
| Oct 13, 2017 | Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST GUARANTY MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 8, 2023 · Amount on File |
| Deed Sale | May 8, 2023 · Amount on File |
| Prior Sale | Oct 13, 2017 · Amount on File |
| Deed Document Number | 2023229079 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Recording Date | May 8, 2023 |
| Property Address | 1145 COUNTY ROAD 54, CENTRE, AL 35960-6922 |
| Document Number | 0000229079 |
| Instrument Date | May 5, 2023 |
| Instrument | 229079 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 244, LEESBURG, AL 35983-0244 |
| Name | Verified Name |
|---|---|
| Address | 1145 COUNTY ROAD 54, CENTRE, AL 35960-6922 |
| Document Number | 0000229080 |
|---|---|
| Date | May 8, 2023 |
| Instrument | 229080 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Recording Date | Oct 13, 2017 |
| Property Address | 1145 COUNTY ROAD 54, CENTRE, AL 35960-6922 |
| Document Number | 200009 |
| Instrument Date | Oct 12, 2017 |
| Instrument | 200009 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 625 COUNTY ROAD 54, 625, CENTRE, AL 35960-6925 |
| Name | Verified Name |
|---|---|
| Address | 1145 COUNTY ROAD 54, CENTRE, AL 35960-6922 |
| Document Number | 200010 |
|---|---|
| Date | Oct 13, 2017 |
| Instrument | 200010 |
| Name | FIRST GUARANTY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CULLMAN, AL 35055 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 1145 Co Rd 54 was $1,032, up 6.9% from the year before.
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 | $1,032.00 (+6.94%) | ||
| 2025 | $965.00 | $22,360 (+863.79%) Land $1,700 Building $20,660 | $114,900 (-) Land $8,500 Building $106,400 |
| 2024 | $965.00 (+36.69%) | $2,320 (+11,5%) Land $1,700 Building $620 | $114,900 (+114,8%) Land $8,500 Building $106,400 |
| 2023 | $706.00 | $20 (-99.88%) | $100 (-99.88%) Building $100 |
| 2022 | $706.00 | $16,820 Land $1,700 Building $15,120 | $84,100 Land $8,500 Building $75,600 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1145 Co Rd 54 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 | 7 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 risk around 1145 Co Rd 54 is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 91% of Alabama |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
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