295 Co Rd 578, Centre, AL 35960 Property Records

Cherokee County property record for 295 Co Rd 578, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,608 sqft · built 2010
Lot Size	0.547 acres (23,847 sqft)
Owner	Individual Name on File
Last Sale	$445,000 (Nov 2023)
Tax Bill	$3,318 (2026)
Deeds & Mortgages	Nov 2023 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`13-13-01-01-0-000-004.000`

Property Details

APN / Parcel Number

Primary APN	`13-13-01-01-0-000-004.000`
Alternative APNs	`ALT APN:1301010000004000` `218626` `23910`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,608 sqft Living Area
1st Floor Area	1,608 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	23,847 sqft (0.547 acres)
Garage Type	Mixed
Parking Spaces	2 Parking Spaces
Deck Area	672 sqft
Boat Access	Boat Access
Boat House	Boat House

Location & Zoning

Account Number	218626
Street Address	295 COUNTY ROAD 578
City	CENTRE
State	AL
Zip	35960-5659
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 19, BILL MAY SD, PB 5 PG 52
Legal Range	10E
Legal Township	10S
Legal Section	01
Legal Subdivision	BILL MAY SD
Legal Lot Number	19
Jurisdiction	CHEROKEE AL
Township / Civil Division	SPRING GARDEN
Census Block Group	1
Census Block	1000
Census Tract	956102

Owner

295 Co Rd 578 is owned by an individual who bought it in November 2023.

Source: Cherokee County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	933 NEW BEDFORD DR, MARIETTA, GA 30068-4435
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 28, 2023 · Amount on File
Deed Sale	Nov 28, 2023 · Amount on File
Deed Document Number	2023231586
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Nov 28, 2023
Property Address	295 COUNTY ROAD 578, CENTRE, AL 35960-5659
Document Number	0000231586
Map Reference	MB 5 PG 52
Instrument Date	Nov 28, 2023
Instrument	231586
Transaction Type	Transfer
Record Updated	Dec 11, 2023

Transaction

Amount	Amount on Record
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	933 NEW BEDFORD DR, MARIETTA, GA 30068-4435

Mortgage

Document Number	0000231587
Date	Nov 28, 2023
Instrument	231587

Lender

Name	DELTA COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2038

Tax Assessment & Valuation

The 2026 property tax bill for 295 Co Rd 578 was $3,318, up 7% 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	$3,318.00 (+7%)
2025	$3,101.00 (+160.15%)	$40,780 (+60.68%) Land $30,800 Building $9,980	$369,200 (+30.05%) Land $154,000 Building $215,200
2024	$1,192.00	$25,380 (-10.63%) Land $13,760 Building $11,620	$283,900 (-) Land $137,500 Building $146,400
2023	$1,192.00	$28,400 (+69.25%)	$283,900 (-) Land $137,500 Building $146,400
2022	$1,192.00	$16,780 Land $13,760 Building $3,020	$283,900 Land $137,500 Building $146,400

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 295 Co Rd 578 in Zone X, an area of moderate flood risk, within 100 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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

Wildfire risk around 295 Co Rd 578 is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 98.7% of Alabama
Wildfire Likelihood	0.02% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Co Rd 578

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