200 Co Rd 28, Centre, AL 35960 Property Records

Cherokee County property record for 200 Co Rd 28, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,711 sqft · built 1975
Lot Size	9.51 acres (414,256 sqft)
Owner	Individual Name on File
Last Sale	$130,500 (Sep 2016)
Tax Bill	$716 (2026)
Deeds & Mortgages	Feb 2024 Line of Credit Feb 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-19-08-27-0-000-010.000`

Property Details

APN / Parcel Number

Primary APN	`13-19-08-27-0-000-010.000`
Alternative APNs	`ALT APN:1908270000010000` `30981`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,711 sqft Living Area
1st Floor Area	1,711 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	414,256 sqft (9.51 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	437 sqft
Utility Building	121 sqft

Location & Zoning

Account Number	30981
Street Address	200 COUNTY ROAD 28
City	CENTRE
State	AL
Zip	35960-3127
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SE COR NE/4 SE/4;N 85'TO POB;N 720';W 130'TO SE R/W CORD 28;SW 1040';E 880'TO POB
Legal Range	11E
Legal Township	11S
Legal Section	27
Jurisdiction	CHEROKEE AL
Township / Civil Division	SPRING GARDEN
Census Block Group	2
Census Block	2032
Census Tract	956101

Owner

200 Co Rd 28 is owned and occupied by an individual who bought it in September 2016.

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	Individual Name on File
Mailing Address	200 COUNTY ROAD 28, CENTRE, AL 35960-3127
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2024	Deed of Trust, Mortgage · Line of Credit REDSTONE FCU
Feb 12, 2024	Deed of Trust, Mortgage · Line of Credit REDSTONE FCU
Feb 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2016 · Amount on File
Deed Sale	Sep 26, 2016 · Amount on File
Deed Document Number	2016194986
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	200 COUNTY ROAD 28, CENTRE, AL 35960-3127
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000232390
Date	Feb 12, 2024
Instrument	232390

Lender

Name	REDSTONE FCU
Type	Credit Union
Address	HUNTSVILLE, AL 35893

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 11, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	200 COUNTY ROAD 28, CENTRE, AL 35960-3127
Transaction Type	Mortgage
Record Updated	Feb 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000232390
Date	Feb 12, 2024
Instrument	232390

Lender

Name	REDSTONE FCU
Type	Credit Union
Address	HUNTSVILLE, AL 35893

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 11, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	200 COUNTY ROAD 28, CENTRE, AL 35960-3127
Transaction Type	Mortgage
Record Updated	Dec 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	216757
Date	Feb 24, 2021
Instrument	216757

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 200 Co Rd 28 was $716 with a homeowner's exemption, up 7.5% 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	$716.00 (+7.51%)
2025	$666.00 (+5.88%) Homeowner's exemption	$16,960 (+595.08%) Land $2,480 Building $14,480	$171,400 (+5.67%) Land $24,800 Building $146,600
2024	$629.00 Additional exemption filed	$2,440 (-84.98%) Land $2,260 Building $180	$162,200 (-) Land $22,500 Building $139,700
2023	$629.00 Homeowner's exemption	$16,240 (+565.57%)	$162,200 (-) Land $22,500 Building $139,700
2022	$629.00 Homeowner's exemption	$2,440 Land $2,260 Building $180	$162,200 Land $22,500 Building $139,700

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 200 Co Rd 28 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	8 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 200 Co Rd 28 is high, ranking above 73% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 73% of the US · above 95% of Alabama
Wildfire Likelihood	0.4% 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	50 / 10

Cell Coverage

4G LTE (outdoors only), no 5G reported

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