Cherokee County property record for 265 Co Rd 546, Centre, AL 35960
| Property Type | Single Family Home |
|---|---|
| Details | 1,350 sqft · built 2020 |
| Lot Size | 0.8 acres (34,848 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $655 (2026) |
| Deeds & Mortgages | Jun 2022 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 13-13-02-09-0-000-002.012 |
| Primary APN | 13-13-02-09-0-000-002.012 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,350 sqft Living Area |
| Gross Area | 336 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Metal |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 34,848 sqft (0.8 acres) |
| Account Number | 216768 |
|---|---|
| Street Address | 265 COUNTY ROAD 546 |
| City | CENTRE |
| State | AL |
| Zip | 35960 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM @ THE NE COR,SW1/4,SE1/4;SW 146 TO POB;W353;SLY ALG 565CONTOUR 104;E353;N101 TO POB |
| Legal Range | 10E |
| Legal Township | 10S |
| Legal Section | 09 |
| Jurisdiction | CHEROKEE AL |
| Township / Civil Division | SPRING GARDEN |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 956102 |
265 Co Rd 546 is owned by an individual who acquired it in February 2022.
Source: Cherokee County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 351 GRYDER RD, CHATSWORTH, GA 30705-5701 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Feb 8, 2022 |
| Transfer Doc | 0000223107 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 265 COUNTY ROAD 546, CENTRE, AL 35960-5784 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000224569 |
|---|---|
| Date | Jun 2, 2022 |
| Instrument | 224569 |
| Name | FIRST NATIONAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 36 Months |
| Due | Apr 5, 2025 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 265 Co Rd 546 was $655, up 7% from the year before.
Source: Cherokee County assessment roll, as of December 1, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Cherokee County |
| Unified School District | Cherokee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $655.00 (+7.03%) | ||
| 2025 | $612.00 (+3.73%) | $7,720 (+8.43%) Land $5,600 Building $2,120 | $145,800 (+3.77%) Land $56,000 Building $89,800 |
| 2024 | $590.00 (-0.51%) | $7,120 (-49.65%) Land $5,000 Building $2,120 | $140,500 (-0.57%) Land $50,000 Building $90,500 |
| 2023 | $593.00 (-48.16%) | $14,140 (-0.7%) | $141,300 (+3.74%) Land $50,000 Building $91,300 |
| 2022 | $1,144.00 | $14,240 Land $10,000 Building $4,240 | $136,200 Land $50,000 Building $86,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 265 Co Rd 546 in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File 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 risk around 265 Co Rd 546 is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.9% 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.
Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| TDS Telecom DSL | 10 / 1 |
5G (outdoors only) and 4G LTE
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