200 Co Rd 498, Centre, AL 35960 Property Records

Cherokee County property record for 200 Co Rd 498, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1,792 sqft · built 2022
Lot Size	1.34 acres (58,370 sqft)
Owner	Individual Name on Record
Last Sale	$99,000 (Apr 2018)
Tax Bill	$1,781 (2026)
Deeds & Mortgages	Feb 2022 Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`13-13-05-22-0-000-002.006`

Property Details

APN / Parcel Number

Primary APN	`13-13-05-22-0-000-002.006`
Alternative APNs	`ALT APN:1305220000002006` `205262`

Interior

Stories	1 Story
Building Area	1,792 sqft Living Area
1st Floor Area	720 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	58,370 sqft (1.34 acres)
Deck Area	Deck Area
Shed	1 Shed
Boat House	Boat House

Location & Zoning

Account Number	205262
Street Address	200 COUNTY ROAD 498
City	CENTRE
State	AL
Zip	35960-6033
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10, COREY COVE SD, PB 8 PG 30
Legal Range	10E
Legal Township	10S
Legal Section	22
Legal Subdivision	COREY COVE
Legal Lot Number	10
Jurisdiction	CHEROKEE AL
Township / Civil Division	SPRING GARDEN
Census Block Group	1
Census Block	1010
Census Tract	956102

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	Individual Name on Record
Mailing Address	455 AUSBURN RD SW, ROME, GA 30165-6632
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOMESTAR FINANCIAL CORP
Apr 3, 2018	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST SOUTHERN STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2018 · Amount on Record
Deed Sale	Apr 3, 2018 · Amount on Record
Prior Sale	Nov 18, 2013
Deed Document Number	2018202034
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	200 COUNTY ROAD 498, CENTRE, AL 35960-6033
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000222698
Date	Feb 8, 2022
Instrument	222698

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	192 Months
Due	Mar 1, 2037

Interest

Rate Type	Fixed Rate

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Apr 3, 2018
Property Address	200 COUNTY ROAD 498, CENTRE, AL 35960-6033
Document Number	0000202034
Instrument Date	Apr 2, 2018
Instrument	202034
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Amount	Amount Recorded
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 GRAY ROCK DR NW, ROME, GA 30165-1059

Mortgage

Document Number	0000202035
Date	Apr 3, 2018
Instrument	202035

Lender

Name	FIRST SOUTHERN STATE BANK
Type	Bank
Address	CENTRE, AL 35960

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$1,781.00 (+27.12%)
2025	$1,401.00 (+7.03%)	$19,380 (+21.89%) Land $13,080 Building $6,300	$357,000 (+14.57%) Land $140,000 Building $217,000
2024	$1,309.00	$15,900 (-49.01%) Land $12,500 Building $3,400	$311,600 (-) Land $125,000 Building $186,600
2023	$1,309.00 (+134.59%)	$31,180 (+134.44%)	$311,600 (+134.46%) Land $125,000 Building $186,600
2022	$558.00	$13,300 Land $12,500 Building $800	$132,900 Land $125,000 Building $7,900

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2019–2021)
Most Recent Claim	Mar 2021 · 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

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

Wildfire Risk	Moderate above 46% of the US · above 52% of Alabama
Wildfire Likelihood	0.1% 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 41 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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