12685 Co Rd 31, Centre, AL 35960 Property Records

Cherokee County property record for 12685 Co Rd 31, Centre, AL 35960

Property Summary

Property Type	Vacant Land
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Individual Names on File
Tax Bill	$294 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2023 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`13-13-08-33-0-000-020.008`

Property Details

APN / Parcel Number

Primary APN	`13-13-08-33-0-000-020.008`
Alternative APNs	`ALT APN:1308330000020008` `218209` `28445`

Exterior

Lot Area	22,216 sqft (0.51 acres)

Location & Zoning

Account Number	218209
Street Address	12685 COUNTY ROAD 31
City	CENTRE
State	AL
Zip	35960-5129
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	COMM AT NE COR LOT 1 JORDAN LAND SUB 8/72; SW 657; W150; TO POB; S80; W200; N100; E210 TO POB BEING A PT OF LOT 2 SD SUB
Legal Range	10E
Legal Township	10S
Legal Section	33
Legal Subdivision	JORDAN
Legal Lot Number	1-2
Jurisdiction	CHEROKEE AL
Township / Civil Division	SPRING GARDEN
Census Block Group	3
Census Block	3032
Census Tract	956102

Owner

12685 Co Rd 31, vacant land, is owned by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	360 COUNTY ROAD 83, CENTRE, AL 35960-7601
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage FAMILY SAVINGS CREDIT UNION
Sep 20, 2023	Warranty Deed, Transfer · Line of Credit NOBLEBANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Recording Date	Sep 18, 2026
Property Address	12685 COUNTY ROAD 31, CENTRE, AL 35960-5129
Document Number	0000245929
Instrument Date	Sep 18, 2026
Instrument	2026245929
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	360 COUNTY ROAD 83, CENTRE, AL 35960-7601

Mortgage

Document Number	0000245929,
Date	Sep 18, 2026
Instrument	2026245929

Lender

Name	FAMILY SAVINGS CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 18, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Sep 20, 2023
Property Address	12685 COUNTY ROAD 31, CENTRE, AL 35960-5129
Document Number	0000230764
Map Reference	MB 8 PG 72
Instrument Date	Sep 19, 2023
Instrument	230764
Transaction Type	Transfer
Record Updated	Oct 23, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	570 COUNTY ROAD 389, CENTRE, AL 35960-6747

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	360 COUNTY ROAD 83, CENTRE, AL 35960-7601

Mortgage

Document Number	0000230765
Date	Sep 20, 2023
Instrument	230765

Lender

Name	NOBLEBANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 12685 Co Rd 31 was $294, up 5% from the year before.

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	$294.00 (+5%)
2025	$280.00 (+6.87%)	$6,680 (+6.71%) Land $6,680	$35,000 (+11.82%) Land $35,000
2024	$262.00	$6,260 (-) Land $6,260	$31,300 (-) Land $31,300
2023	$262.00 (+1%)	$6,260 (+99.36%)	$31,300 (-) Land $31,300
2022	$131.00	$3,140 Land $3,140	$31,300 Land $31,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 12685 Co Rd 31 in Zone X, an area of minimal flood risk, within 100 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 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

Wildfire risk around 12685 Co Rd 31 is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 50% of the US · above 60% of Alabama
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	50 / 10

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Co Rd 31

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