307 Ray St, Centre, AL 35960 Property Records

Cherokee County property record for 307 Ray St, Centre, AL 35960 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,108 sqft · built 1960
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$335,000 (May 2026)
Tax Bill	$1,235 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-14-05-15-4-000-018.000`

Property Details

APN / Parcel Number

Primary APN	`13-14-05-15-4-000-018.000`
Alternative APNs	`ALT APN:1405154000018000` `221298` `3117`

Interior

Full Baths	1 Bath
Building Area	2,108 sqft Living Area
1st Floor Area	2,108 sqft 1st Floor
Stories	1 Story
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace
Fireplaces	1 Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Carport
Carport	Carport
Porch	Slab
Porch Area	24 sqft Porch

Location & Zoning

Account Number	221298
Street Address	307 RAY ST
City	CENTRE
State	AL
Zip	35960-2407
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG NE COR SW/4 SE/4; S 210';NW 240';N 90';E 210'TO POB
Legal Range	09E
Legal Township	10S
Legal Section	15
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	3
Census Block	3036
Census Tract	956000

Owner

Source: Cherokee County records · APN 13-14-05-15-4-000-018.000

Assessment roll updated December 1, 2025 · Last verified June 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 File
Mailing Address	307 RAY ST, CENTRE, AL 35960-2407
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 14, 2026 · Amount on Record
Deed Sale	May 14, 2026 · Amount on Record
Prior Sale	Feb 05, 2025 · Amount on Record
Deed Document Number	2026243778
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	May 14, 2026
Property Address	307 RAY ST, CENTRE, AL 35960-2407
Document Number	0000243778
Instrument Date	May 14, 2026
Instrument	2026.243778
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$33,835.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 RAY ST, CENTRE, AL 35960-2407

Mortgage

Document Number	0000243779,
Date	May 14, 2026
Instrument	2026.243779

Lender

Name	KIND LENDING LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate	6.46%
Max Rate	-1%

Tax Assessment & Valuation

Source: Cherokee County records · Assessment roll updated December 1, 2025 · Last verified June 2026

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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,235.00	$26,280 (-) Land $560 Building $25,720	$131,400 (-) Land $2,800 Building $128,600
2024	$1,235.00 (-1.2%)	$26,280 (-1.2%) Land $560 Building $25,720	$131,400 (-1.2%) Land $2,800 Building $128,600
2023	$1,250.00	$26,600 (-)	$133,000 (-) Land $4,400 Building $128,600
2022	$1,250.00	$26,600 Land $880 Building $25,720	$133,000 Land $4,400 Building $128,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cherokee County (01019C), updated March 15, 2016 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Moderate above 60% of the US · above 77% of Alabama
Wildfire Likelihood	About 1 in 833 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.