130 Co Rd 494, Centre, AL 35960 Property Records

Cherokee County property record for 130 Co Rd 494, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,792 sqft · built 2000
Lot Size	5.57 acres (242,629 sqft)
Owner	Individual Name on File
Last Sale	$239,000 (Nov 2016)
Deeds & Mortgages	Dec 2022 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-13-04-18-0-000-009.004`

Property Details

APN / Parcel Number

Primary APN	`13-13-04-18-0-000-009.004`
Alternative APNs	`ALT APN:1304180000009004` `31775`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,792 sqft Living Area
1st Floor Area	1,228 sqft
Upper Floors Area	1,564 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	242,629 sqft (5.57 acres)
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	396 sqft
Deck Area	768 sqft

Location & Zoning

Account Number	31775
Street Address	130 COUNTY ROAD 494
City	CENTRE
State	AL
Zip	35960-6261
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT NW COR NE/4 NW/4; E200; S80 TO POB; E 485; S506; W485; N506 TO POB
Legal Range	10E
Legal Township	10S
Legal Section	18
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	5
Census Block	5021
Census Tract	956000

Owner

130 Co Rd 494 is owned and occupied by an individual who bought it in November 2016.

Source: Cherokee County records, as of December 1, 2025

Owner of Record	Individual Name on File
Mailing Address	130 COUNTY ROAD 494, CENTRE, AL 35960-6261
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

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
Dec 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BANK
Mar 19, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
May 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2016 · Amount on File
Deed Sale	Nov 10, 2016 · Amount on File
Deed Document Number	2016195591
Prior Transfer Date	Oct 21, 2013
Prior Transfer Doc	181612
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	130 COUNTY ROAD 494, CENTRE, AL 35960-6261
Transaction Type	Mortgage
Record Updated	Dec 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000227200
Date	Dec 1, 2022
Instrument	227200

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Nov 25, 2032

Interest

Rate Type	Fixed Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	130 COUNTY ROAD 494, CENTRE, AL 35960-6261
Transaction Type	Mortgage
Record Updated	May 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	217218
Date	Mar 19, 2021
Instrument	217218

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	130 COUNTY ROAD 494, CENTRE, AL 35960-6261
Transaction Type	Mortgage
Record Updated	Jun 20, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	207565
Date	May 28, 2019
Instrument	207565

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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
2025		$34,920 Land $2,540 Building $32,380	$377,200 Land $25,400 Building $351,800
2023	Additional exemption filed	$35,820	$358,100 Land $23,100 Building $335,000

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.

Flood

FEMA maps place 130 Co Rd 494 in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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

Wildfire risk around 130 Co Rd 494 is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 98.7% of Alabama
Wildfire Likelihood	0.03% 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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: TDS Telecom, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Co Rd 494

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