175 Bay View Ln, Centre, AL 35960 Property Records

Cherokee County property record for 175 Bay View Ln, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1,704 sqft · built 2021
Lot Size	0.59 acres (25,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$439,900 (Jul 2025)
Tax Bill	$1,963 (2026)
Deeds & Mortgages	Apr 2024 Line of Credit Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-14-02-10-0-000-029.005`

Property Details

APN / Parcel Number

Primary APN	`13-14-02-10-0-000-029.005`
Alternative APNs	`ALT APN:1402100000029005` `209531`

Interior

Stories	1 Story
Building Area	1,704 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	25,700 sqft (0.59 acres)

Location & Zoning

Account Number	209531
Street Address	175 BAY VIEW LN
City	CENTRE
State	AL
Zip	35960-2418
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SW COR NW/4 SE/4;E572;N50 TO NLY ROW CO RD 139 & POB;WLY AG CO RD 139 105;N210;NE47;E77;S257 TO POB
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	3
Census Block	3021
Census Tract	956000

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	175 BAY VIEW LN, CENTRE, AL 35960-2418
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2024	Deed of Trust, Mortgage · Line of Credit INVESTAR BANK
Jun 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHEAHA BANK
Jul 22, 2025	Warranty Deed, Transfer · Conventional Mortgage TOMO MORTGAGE LLC
Apr 20, 2020	Warranty Deed, Transfer · Conventional Mortgage CHEAHA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2025 · Amount on Record
Deed Sale	Jul 22, 2025 · Amount on Record
Prior Sale	Apr 20, 2020 · Amount on Record
Deed Document Number	2025239562
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	175 BAY VIEW LN, CENTRE, AL 35960-2418
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 BAY VIEW LN, CENTRE, AL 35960-2418

Mortgage

Document Number	0000233228
Date	Apr 11, 2024
Instrument	233228

Lender

Name	INVESTAR BANK
Type	Bank
Address	OXFORD, AL 36203

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 4, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	175 BAY VIEW LN, CENTRE, AL 35960-2418
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000212584
Date	Jun 18, 2020
Instrument	212584

Lender

Name	CHEAHA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jul 22, 2025
Property Address	175 BAY VIEW LN, CENTRE, AL 35960-2418
Document Number	0000239562
Map Reference	MB A297 PG 45
Instrument Date	Jul 18, 2025
Instrument	239562
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
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	175 BAY VIEW LN, CENTRE, AL 35960-2418

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 BAY VIEW LN, CENTRE, AL 35960-2418

Mortgage

Document Number	0000239563
Date	Jul 22, 2025
Instrument	239563

Lender

Name	TOMO MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Apr 20, 2020
Property Address	175 BAY VIEW LN, CENTRE, AL 35960-2418
Document Number	0000211759
Map Reference	DB 297 OG 45
Instrument Date	Apr 1, 2020
Instrument	211759
Transaction Type	Transfer
Record Updated	Aug 26, 2025

Transaction

Amount	Amount Recorded
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	271 BAY VIEW LN, CENTRE, AL 35960-2419

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3717 HIGHWAY 301, TRENTON, GA 30752-5413
Investor	Possibly a Property Investor

Mortgage

Document Number	0000211760
Date	Apr 20, 2020
Instrument	211760

Lender

Name	CHEAHA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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
Municipality	Centre City
Unified School District	Cherokee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,963.00 (+45.19%)
2025	$1,352.00 (+0.82%) Homeowner's exemption	$29,900 (+0.81%) Land $500 Building $29,400	$298,900 (+0.84%) Land $4,900 Building $294,000
2024	$1,341.00 Additional exemption filed	$29,660 (-) Land $500 Building $29,160	$296,400 (-) Land $4,900 Building $291,500
2023	$1,341.00 Homeowner's exemption	$29,660 (-)	$296,400 (-) Land $4,900 Building $291,500
2022	$1,341.00 Homeowner's exemption	$29,660 Land $500 Building $29,160	$296,400 Land $4,900 Building $291,500

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

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
Nearby Flood Claims	1 (2019)
Most Recent Claim	Feb 2019 · Severe Storms, Straight-line Winds, Tornadoes, And 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 99.5% of Alabama
Wildfire Likelihood	Under 0.01% 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 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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