Cherokee County property record for 12945 Co Rd 22, Centre, AL 35960
| Property Type | Other Improved |
|---|---|
| Details | 1,334 sqft · built 2022 |
| Lot Size | 1.32 acres (57,499 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $862 (2026) |
| Deeds & Mortgages | Jun 2021 Mortgage Feb 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-12-03-08-0-000-015.019 |
| Primary APN | 13-12-03-08-0-000-015.019 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,334 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 57,499 sqft (1.32 acres) |
| Account Number | 206704 |
|---|---|
| Street Address | 12945 COUNTY ROAD 22 |
| City | CENTRE |
| State | AL |
| Zip | 35960-4435 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Legal Description | COM SE CR SE/4 SW/4;W TO ROW OF CO RD 22;NW320.4S TO POB.NE717S TO COUNTOUR OF WEISS LAKE;NW122S;SE759S;SELY40 ALGNLY ROW OF |
| Legal Range | 11E |
| Legal Township | 10S |
| Legal Section | 08 |
| Jurisdiction | CHEROKEE AL |
| Township / Civil Division | SPRING GARDEN |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 956101 |
12945 Co Rd 22 is owned and occupied by two individuals.
Source: Cherokee County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12945 COUNTY ROAD 22, CENTRE, AL 35960-4435 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage METRO BANK |
| Feb 16, 2022 | Deed of Trust, Mortgage · Conventional Mortgage METRO BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 12945 COUNTY ROAD 22, CENTRE, AL 35960-4435 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000218550 |
|---|---|
| Date | Jun 3, 2021 |
| Instrument | 218550 |
| Name | METRO BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 12945 COUNTY ROAD 22, CENTRE, AL 35960-4435 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000222843 |
|---|---|
| Date | Feb 16, 2022 |
| Instrument | 222843 |
| Name | METRO BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2052 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 12945 Co Rd 22 was $862 with a homeowner's exemption, up 7.5% 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 | $862.00 (+7.48%) | ||
| 2025 | $802.00 (+2.95%) Homeowner's exemption | $20,120 (+1.51%) Land $2,800 Building $17,320 | $203,700 (+2.77%) Land $28,000 Building $175,700 |
| 2024 | $779.00 (-53.19%) Additional exemption filed | $19,820 (-5%) Land $2,500 Building $17,320 | $198,200 (-) Land $25,000 Building $173,200 |
| 2023 | $1,664.00 (+692.38%) | $39,640 (+692.8%) | $198,200 (+692.8%) Land $25,000 Building $173,200 |
| 2022 | $210.00 | $5,000 Land $5,000 | $25,000 Land $25,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12945 Co Rd 22 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 | 4 in force |
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 12945 Co Rd 22 is moderate, ranking above 51% 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 51% of the US · above 61% of Alabama |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| TDS Telecom DSL | 25 / 5 |
4G LTE only, no 5G reported
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