Cherokee County property record for 327 Ray St, Centre, AL 35960 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 1,760 sqft · built 1965 |
| Lot Size | 13 acres (566,280 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $701 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Jun 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-14-05-15-4-000-019.000 |
| Primary APN | 13-14-05-15-4-000-019.000 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,760 sqft Living Area |
| 1st Floor Area | 1,760 sqft |
| Basement Area | 1,760 sqft |
| Unfinished Basement | 1,760 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 566,280 sqft (13 acres) |
| Garage Type | Mixed |
| Garage Area | 198 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 610 sqft |
| Account Number | 221298 |
|---|---|
| Street Address | 327 RAY ST |
| City | CENTRE |
| State | AL |
| Zip | 35960-2407 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PART OF SW/4 SE/4 |
| 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 |
Source: Cherokee County records · APN 13-14-05-15-4-000-019.000
Assessment roll updated December 1, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 14 SHIFLETT RD SE, SILVER CREEK, GA 30173-3145 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 21, 2026 | Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK |
| Jun 23, 2023 | Deed of Trust, Mortgage · Line of Credit FARMERS & MECHANICS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 15, 2006 |
| Deed Sale | Mar 15, 2006 |
| Deed Book / Page | 2006 / 139361 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Recording Date | Jul 21, 2026 |
| Property Address | 327 RAY ST, CENTRE, AL 35960-2407 |
| Document Number | 0000244922 |
| Instrument Date | Jul 21, 2026 |
| Instrument | 2026244922 |
| Transaction Type | Mortgage |
| Record Updated | Aug 04, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14 SHIFLETT RD SE, SILVER CREEK, GA 30173-3145 |
| Document Number | 0000244922, |
|---|---|
| Date | Jul 21, 2026 |
| Instrument | 2026244922 |
| Name | MERCHANTS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 21, 2041 |
| Rate | 5.84% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE AL |
| Property Address | 327 RAY ST, CENTRE, AL 35960-2407 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000229624 |
|---|---|
| Date | Jun 23, 2023 |
| Instrument | 229624 |
| Name | FARMERS & MECHANICS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 22, 2033 |
Source: Cherokee County records · Assessment roll updated December 1, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Cherokee County |
| Municipality | Centre City |
| Unified School District | Cherokee County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $701.00 (+110.51%) | $14,920 (+144.59%) Land $10,200 Building $4,720 | $74,600 (+25.8%) Land $51,000 Building $23,600 |
| 2024 | $333.00 | $6,100 (-13.6%) Land $1,380 Building $4,720 | $59,300 (+47.66%) Land $35,700 Building $23,600 |
| 2023 | $333.00 (+0.3%) | $7,060 (+24.73%) | $40,160 (-42.71%) Land $16,560 Building $23,600 |
| 2022 | $332.00 | $5,660 Land $940 Building $4,720 | $70,100 Land $46,500 Building $23,600 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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.
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