Cherokee County property record for 115 Co Rd 417, Centre, AL 35960
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 2,415 sqft · built 1977 |
| Lot Size | 1.12 acres (48,940 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $51,000 (Jun 2021) |
| Tax Bill | $1,831 (2026) |
| Deeds & Mortgages | Aug 2021 Mortgage May 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-14-02-04-0-000-034.000 |
| Primary APN | 13-14-02-04-0-000-034.000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 2,415 sqft Living Area |
| 1st Floor Area | 2,415 sqft |
| Basement Area | 2,415 sqft |
| Unfinished Basement | 2,415 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 48,940 sqft (1.12 acres) |
| Garage Area | 713 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 400 sqft |
| Boat Access | Boat Access |
| Boat House | Boat House |
| Account Number | 18598 |
|---|---|
| Street Address | 115 COUNTY ROAD 417 |
| City | CENTRE |
| State | AL |
| Zip | 35960-6654 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 4 & 5 BLK B, BILLY GOAT HILL SD PB 6 PG 101 |
| Legal Range | 09E |
| Legal Township | 10S |
| Legal Section | 04 |
| Legal Subdivision | BILLY GOAT HILL SUB |
| Legal Block | B |
| Legal Lot Number | 4-5 |
| Jurisdiction | CHEROKEE AL |
| Township / Civil Division | CENTRE |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 956000 |
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 | PO BOX 601, CENTRE, AL 35960-0601 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BNC NATIONAL BANK |
| May 8, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST SOUTHERN STATE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 30, 2021 · Amount on Record |
| Deed Sale | Jun 30, 2021 · Amount on Record |
| Deed Document Number | 2021219043 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 115 COUNTY ROAD 417, CENTRE, AL 35960-6654 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000219985 |
|---|---|
| Date | Aug 24, 2021 |
| Instrument | 219985 |
| Name | BNC NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 1, 2036 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 115 COUNTY ROAD 417, CENTRE, AL 35960-6654 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000207315 |
|---|---|
| Date | May 8, 2019 |
| Instrument | 207315 |
| Name | FIRST SOUTHERN STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed 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 | $1,831.00 (+7.2%) | ||
| 2025 | $1,708.00 (+3.33%) Homeowner's exemption | $40,860 (+105.95%) Land $20,060 Building $20,800 | $419,300 (+3.23%) Land $200,600 Building $218,700 |
| 2024 | $1,653.00 (+0.67%) Additional exemption filed | $19,840 (-50.84%) Land $18,760 Building $1,080 | $406,200 (+0.72%) Land $187,500 Building $218,700 |
| 2023 | $1,642.00 Homeowner's exemption | $40,360 (+106.34%) | $403,300 (-) Land $187,500 Building $215,800 |
| 2022 | $1,642.00 Homeowner's exemption | $19,560 Land $18,760 Building $800 | $403,300 Land $187,500 Building $215,800 |
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.
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 | 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.8% of Alabama |
|---|---|
| Wildfire Likelihood | Under 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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
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