315 Oakhill Dr, Centre, AL 35960 Property Records

Cherokee County property record for 315 Oakhill Dr, Centre, AL 35960

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,672 sqft · built 2003
Lot Size	0.5 acres (21,774 sqft)
Owner	2 Individual Names on File
Last Sale	$288,000 (Jul 2026)
Tax Bill	$1,269 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Dec 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-14-07-26-2-002-010.000`

Property Details

APN / Parcel Number

Primary APN	`13-14-07-26-2-002-010.000`
Alternative APNs	`ALT APN:1407262002010000` `16216`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,672 sqft Living Area
1st Floor Area	1,672 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	21,774 sqft (0.5 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	240 sqft

Location & Zoning

Account Number	16216
Street Address	315 OAKHILL DR
City	CENTRE
State	AL
Zip	35960-2188
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 OAK HILL ESTATES 12/73
Legal Range	09E
Legal Township	10S
Legal Section	26
Legal Subdivision	HILL ESTATES
Legal Lot Number	10
Jurisdiction	CHEROKEE AL
Township / Civil Division	CENTRE
Census Block Group	3
Census Block	3005
Census Tract	955900

Owner

315 Oakhill Dr is owned and occupied by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	315 OAKHILL DR, CENTRE, AL 35960-2188
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Jul 31, 2026	Warranty Deed, Transfer · VA Mortgage DIRECT LENDERS
Dec 10, 2024	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Mar 1, 2017	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Feb 2, 2017	Deed of Trust, Mortgage · Stand-Alone First Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2026 · Amount on File
Deed Sale	Jul 31, 2026 · Amount on File
Prior Sale	Dec 10, 2024 · Amount on File
Deed Document Number	2026245113
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE AL
Recording Date	Jul 31, 2026
Property Address	315 OAKHILL DR, CENTRE, AL 35960-2188
Document Number	0000245113
Instrument Date	Jul 28, 2026
Instrument	2026245113
Transaction Type	Transfer
Record Updated	Aug 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$29,088.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 OAKHILL DR, CENTRE, AL 35960-2188

Mortgage

Document Number	0000245114,
Date	Jul 31, 2026
Instrument	2026245114

Lender

Name	DIRECT LENDERS

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.47%
Max Rate	-1%

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	315 OAKHILL DR, CENTRE, AL 35960-2188
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	419 S MAIN ST, PROSPERITY, SC 29127-8849

Mortgage

Document Number	0000236730
Date	Dec 10, 2024
Instrument	236730

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2055

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	315 OAKHILL DR, CENTRE, AL 35960-2188
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0196932
Date	Mar 1, 2017
Instrument	0196932

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE AL
Property Address	315 OAKHILL DR, CENTRE, AL 35960-2188
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0196592
Date	Feb 2, 2017
Instrument	0196592

Lender

Name	REGIONS BANK
Type	Bank
Address	CENTRE, AL 35960

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 315 Oakhill Dr was $1,269.

Source: Cherokee County assessment roll, as of December 1, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,269.00
2025		$20,200 Land $1,100 Building $19,100	$201,900 Land $11,000 Building $190,900
2023	Additional exemption filed	$20,400	$204,000 Land $11,000 Building $193,000

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 315 Oakhill Dr in Zone X, an area of minimal flood risk.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
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

Wildfire risk around 315 Oakhill Dr is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 62% of the US · above 80% of Alabama
Wildfire Likelihood	0.2% 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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 50

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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