170 Co Rd 537, Centre, AL 35960 Property Records

Cherokee County property record for 170 Co Rd 537, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	3 ba · 5,196 sqft · built 2006
Lot Size	0.7 acres (30,506 sqft)
Owner	2 Individual Names on File
Last Sale	$1,200,000 (Oct 2025)
Tax Bill	$8,284 (2026)
Deeds & Mortgages	Feb 2009 Mortgage Oct 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13-13-04-20-0-000-040.045`

Property Details

APN / Parcel Number

Primary APN	`13-13-04-20-0-000-040.045`
Alternative APNs	`ALT APN:1304200000040045` `212697`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	5,196 sqft Living Area
1st Floor Area	2,240 sqft
Upper Floors Area	2,956 sqft
Basement Area	1,978 sqft
Finished Basement	1,978 sqft
Unfinished Basement	1,978 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	30,506 sqft (0.7 acres)
Garage Area	1,052 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	407 sqft
Deck Area	228 sqft
Patio Area	710 sqft
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	212697
Street Address	170 COUNTY ROAD 537
City	CENTRE
State	AL
Zip	35960-6123
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 25 COTHERN EST SECTOR 2 ADD1 PB9/120
Legal Range	10E
Legal Township	10S
Legal Section	20
Legal Subdivision	COTHERN EST
Legal Lot Number	25
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	2
Census Block	2001
Census Tract	956000

Owner

170 Co Rd 537 is owned by two individuals who bought it in October 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	1244 WIND HILL LN SW, MARIETTA, GA 30064-3838
Owner Type	Individual
Vesting	His 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
Feb 10, 2009	Deed of Trust, Mortgage REGIONS BANK D/B/A REGIONS MORTGAGE
Oct 9, 2025	Warranty Deed, Transfer · Conventional Mortgage SOUTH STATE BANK NA
Feb 21, 2025	Warranty Deed, Transfer · Commercial Mortgage FIRST NATIONAL COMMUNITY BANK
Feb 24, 2025	Warranty Deed, Transfer · Commercial Mortgage FIRST NATIONAL COMMUNITY BANK
Jul 16, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2025 · Amount on File
Deed Sale	Oct 9, 2025 · Amount on File
Prior Sale	Feb 21, 2025 · Amount on File
Deed Document Number	2025240761
Record Updated	Oct 29, 2026

February 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	170 COUNTY ROAD 537, CENTRE, AL 35960-6123
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000158557
Date	Feb 10, 2009
Instrument	158557

Lender

Name	REGIONS BANK D/B/A REGIONS MORTGAGE
Type	Bank
Address	2050 PARKWAY OFFICE CIR, HOOVER, AL 35244

Agreement

Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2039

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Oct 9, 2025
Property Address	170 COUNTY ROAD 537, CENTRE, AL 35960-6123
Document Number	0000240761
Map Reference	MB 9 PG 120
Instrument Date	Oct 7, 2025
Instrument	240761
Transaction Type	Transfer
Record Updated	Jun 9, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	519 HARDEE ST, DALLAS, GA 30132-4710

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1244 WIND HILL LN SW, MARIETTA, GA 30064-3838

Mortgage

Document Number	0000240762
Date	Oct 9, 2025
Instrument	240762

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Nov 1, 2032
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	8%
Max Rate	12%

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Feb 21, 2025
Property Address	170 COUNTY ROAD 537, CENTRE, AL 35960-6123
Document Number	0000237569
Map Reference	MB 9 PG 120
Instrument Date	Feb 21, 2025
Instrument	237569
Transaction Type	Transfer
Record Updated	Aug 26, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	215 S MOORE RD, RISING FAWN, GA 30738-4048

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	519 HARDEE ST, DALLAS, GA 30132-4710

Mortgage

Document Number	0000237570
Date	Feb 24, 2025
Instrument	237570

Lender

Name	FIRST NATIONAL COMMUNITY BANK
Type	Bank
Address	DALLAS, GA 30132

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 21, 2045

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Feb 24, 2025
Property Address	170 COUNTY ROAD 537, CENTRE, AL 35960-6123
Document Number	0000237569
Map Reference	MB 9 PG 120
Instrument Date	Feb 21, 2025
Instrument	237569
Transaction Type	Transfer
Record Updated	Feb 4, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	215 S MOORE RD, RISING FAWN, GA 30738-4048

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	519 HARDEE ST, DALLAS, GA 30132-4710

Mortgage

Document Number	0000237570
Date	Feb 24, 2025
Instrument	237570

Lender

Name	FIRST NATIONAL COMMUNITY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 21, 2045

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jul 16, 2021
Property Address	170 COUNTY ROAD 537, CENTRE, AL 35960-6123
Document Number	0000219287
Instrument Date	Jul 14, 2021
Instrument	219287
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	170 COUNTY ROAD 537, CENTRE, AL 35960-6123

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	170 COUNTY ROAD 537, CENTRE, AL 35960-6123

Tax Assessment & Valuation

The 2026 property tax bill for 170 Co Rd 537 was $8,284, up 32.5% 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	$8,284.00 (+32.52%)
2025	$6,251.00 (+4.32%)	$138,700 (+321.07%) Land $28,000 Building $110,700	$744,200 (+4.32%) Land $140,000 Building $604,200
2024	$5,992.00	$32,940 (-76.91%) Land $25,000 Building $7,940	$713,400 (-) Land $125,000 Building $588,400
2023	$5,992.00	$142,680 (+333.15%)	$713,400 (-) Land $125,000 Building $588,400
2022	$5,992.00	$32,940 Land $25,000 Building $7,940	$713,400 Land $125,000 Building $588,400

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 170 Co Rd 537 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	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 170 Co Rd 537 is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · above 43% of Alabama
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	50 / 10
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

4G LTE only, no 5G reported

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