291 Co Rd 538, Centre, AL 35960 Property Records

Cherokee County property record for 291 Co Rd 538, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1,200 sqft · built 2019
Lot Size	0.333 acres (14,515 sqft)
Owner	Company Name on Record
Last Sale	$585,000 (Apr 2025)
Tax Bill	$3,558 (2026)
Deeds & Mortgages	Jan 2018 Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`13-14-01-11-0-000-003.035`

Property Details

APN / Parcel Number

Primary APN	`13-14-01-11-0-000-003.035`
Alternative APNs	`ALT APN:1401110000003035` `206681`

Interior

Stories	2 Stories
Building Area	1,200 sqft Living Area
Gross Area	300 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	14,515 sqft (0.333 acres)
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	206681
Street Address	291 COUNTY ROAD 538
City	CENTRE
State	AL
Zip	35960-6364
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT R-34, SAND VALLEY SD # 2, PB 9 PG 87
Legal Range	09E
Legal Township	10S
Legal Section	11
Legal Subdivision	SAND VALLEY SD # 2
Legal Lot Number	R-34
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	5
Census Block	5009
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	Company Name on Record
Mailing Address	279 CASSVILLE WHITE RD NW, CARTERSVILLE, GA 30121-4717
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2018	Deed of Trust, Mortgage · ARM FIRST STATE BANK OF DEKALB CO
Apr 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage ALABAMA TEACHERS CU
Apr 3, 2020	Warranty Deed, Transfer
Oct 15, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 25, 2025 · Amount on Record
Deed Sale	Apr 25, 2025 · Amount on Record
Deed Document Number	2025238407
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	291 COUNTY ROAD 538, CENTRE, AL 35960-6364
Transaction Type	Mortgage
Record Updated	Mar 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201220
Date	Jan 29, 2018
Instrument	201220

Lender

Name	FIRST STATE BANK OF DEKALB CO
Type	Non-Lending Institution
Address	BLAIRSVILLE, GA 30514

Agreement

Type	ARM
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	291 COUNTY ROAD 538, CENTRE, AL 35960-6364
Transaction Type	Mortgage
Record Updated	Mar 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	211709
Date	Apr 16, 2020
Instrument	211709

Lender

Name	ALABAMA TEACHERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 15, 2035

Interest

Rate Type	Fixed Rate

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Apr 3, 2020
Property Address	291 COUNTY ROAD 538, CENTRE, AL 35960-6364
Document Number	211596
Map Reference	DOC 200281
Instrument Date	Mar 31, 2020
Instrument	211596
Transaction Type	Transfer
Record Updated	Dec 13, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	291 COUNTY ROAD 538, CENTRE, AL 35960-6364

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Oct 15, 2018
Property Address	291 COUNTY ROAD 538, CENTRE, AL 35960-6364
Document Number	204840
Instrument Date	Oct 15, 2018
Instrument	204840
Transaction Type	Transfer
Record Updated	Dec 13, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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	$3,558.00
2025		$30,520 (-1.61%) Land $1,940 Building $28,580	$317,400 (+2.35%) Land $19,300 Building $298,100
2023	Additional exemption filed	$31,020	$310,100 Land $18,000 Building $292,100

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
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	Low lower than 94% of the US · lower than 98.1% of Alabama
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF CENTRE, WW AND SB OF THE serves 8,163 people · EPA ID AL0000188
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Oct 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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