15 Co Rd 1028, Centre, AL 35960 Property Records

Cherokee County property record for 15 Co Rd 1028, Centre, AL 35960

Property Summary

Property Type	Vacant Land
Lot Size	2.01 acres (87,556 sqft)
Owner	Company Name on File
Tax Bill	$69 (2026)
Deeds & Mortgages	Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-18-04-19-0-000-013.000`

Property Details

APN / Parcel Number

Primary APN	`13-18-04-19-0-000-013.000`
Alternative APNs	`ALT APN:1804190000013000` `23239`

Exterior

Lot Area	87,556 sqft (2.01 acres)

Location & Zoning

Account Number	23239
Street Address	15 COUNTY ROAD 1028
City	CENTRE
State	AL
Zip	35960-0019
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	ALL THAT PT TERRAPIN CREEK DRIVE A 60' PRIVATE ROW; TERRAPINCREEK STATION 14/64
Legal Range	10E
Legal Township	11S
Legal Section	19
Legal Subdivision	TERRAPIN CREEK
Legal Lot Number	ROW
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	1
Census Block	1046
Census Tract	955900

Owner

15 Co Rd 1028, vacant land, is owned by a company that acquired it in December 2004.

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

Owner of Record	Company Name on File
Mailing Address	7265 AL HIGHWAY 9 S, CENTRE, AL 35960-5035
Owner Type	Company

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2004
Deed Sale	Dec 22, 2004
Deed Book / Page	418 / 244
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Nov 17, 2023
Property Address	15 COUNTY ROAD 1028, CENTRE, AL 35960-0019
Document Number	0000231478
Map Reference	MB 14 PG 64
Instrument Date	Nov 15, 2023
Instrument	231478
Transaction Type	Transfer
Record Updated	Nov 27, 2025

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	7162 ROY WEBB ROAD, JACKSONVILLE, AL 36265

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1009, TEMPLE, GA 30179-1009

Mortgage

Document Number	0000231479
Date	Nov 17, 2023
Instrument	231479

Lender

Name	GOLDWATER BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	8.25%
Type Change Date	Dec 1, 2026
Change Frequency	6 Months
Min Rate At Change	8.25%
Max Rate At Change	10.2%
Index	SOFR Average 30-Day
Margin	5
Max Rate	13.2%

Tax Assessment & Valuation

The 2026 property tax bill for 15 Co Rd 1028 was $69, down 10.4% 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	$69.00 (-10.39%)
2025	$77.00 (+6.94%)	$1,840 (+6.98%) Land $1,840	$9,400 (+9.3%) Land $9,400
2024	$72.00	$1,720 (-) Land $1,720	$8,600 (-) Land $8,600
2023	$72.00	$1,720 (-)	$8,600 (-) Land $8,600
2022	$72.00	$1,720 Land $1,720	$8,600 Land $8,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 15 Co Rd 1028 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2009)
Most Recent Claim	Jan 2009 · river or lake 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

Wildfire risk around 15 Co Rd 1028 is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 66% of Alabama
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within 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	10 / 1

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Co Rd 1028

Nearby Streets

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