200 Co Rd 494, Centre, AL 35960 Property Records

Cherokee County property record for 200 Co Rd 494, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1,884 sqft · built 2022
Lot Size	15 acres (653,400 sqft)
Owner	2 Individual Names on Record
Tax Bill	$986 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-13-04-18-2-000-001.001`

Property Details

APN / Parcel Number

Primary APN	`13-13-04-18-2-000-001.001`
Alternative APNs	`ALT APN:1304182000001001` `210971`

Interior

Stories	1 Story
Building Area	1,884 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	653,400 sqft (15 acres)

Location & Zoning

Account Number	210971
Street Address	200 COUNTY ROAD 494
City	CENTRE
State	AL
Zip	35960-6284
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG @ NW COR;S417;E1323;N520;W1325 TO POB
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	5
Census Block	5044
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	200 COUNTY ROAD 494, CENTRE, AL 35960-6284
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage NOBLE BANK & TRUST
Nov 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage NOBLE BANK & TRUST
Jun 10, 2025	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	200 COUNTY ROAD 494, CENTRE, AL 35960-6284
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000217622
Date	Apr 14, 2021
Instrument	217622

Lender

Name	NOBLE BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	200 COUNTY ROAD 494, CENTRE, AL 35960-6284
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000221301
Date	Nov 8, 2021
Instrument	221301

Lender

Name	NOBLE BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	200 COUNTY ROAD 494, CENTRE, AL 35960-6284
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 COUNTY ROAD 494, CENTRE, AL 35960-6284

Mortgage

Document Number	0000239005
Date	Jun 10, 2025
Instrument	239005

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jun 12, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$986.00 (+7.41%)
2025	$918.00 Homeowner's exemption	$20,020 (-) Land $620 Building $19,400	$247,400 (-) Land $53,500 Building $193,900
2024	$918.00 (-17.89%) Additional exemption filed	$20,020 (-19.66%) Land $620 Building $19,400	$247,400 (-0.64%) Land $53,500 Building $193,900
2023	$1,118.00 (+116.25%)	$24,920 (+126.13%)	$249,000 (+351.91%) Land $55,100 Building $193,900
2022	$517.00	$11,020 Land $11,020	$55,100 Land $55,100

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

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

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	Moderate above 52% of the US · above 63% of Alabama
Wildfire Likelihood	0.1% 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 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 (outdoors only) and 4G LTE

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